3723 Brambly Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3723 Brambly Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,972 sqft · built 2015
Lot Size	0.199 acres (8,703 sqft)
Owner	Individual Name on Record
Last Sale	$222,229 (Jan 2016)
Tax Bill	$3,784 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156064`

Property Details

APN / Parcel Number

Primary APN	`156064`
Alternative APN	`352630007000010980`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,972 sqft Heated Area
Gross Area	2,400 sqft
1st Floor Area	1,972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,703 sqft (0.199 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	20 sqft
Porch	Open Porch
Porch Area	28 sqft
Deck Area	644 sqft
Patio Area	32 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156064
Street Address	3723 BRAMBLY AVE
City	SAINT CLOUD
State	FL
Zip	34772-8279
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIARWOOD ESTATES PB 19 PG 188 LOT 98
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	BRIARWOOD ESTATES
Legal Tract	70
Legal Block	1
Legal Lot Number	98
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2031
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3723 BRAMBLY AVE, SAINT CLOUD, FL 34772-8279
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 14, 2017	Deed of Trust, Mortgage UNITED STATES FCU
Feb 21, 2020	Loan Modification, Mortgage · Line of Credit IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2016 · Amount on Record
Deed Sale	Jan 7, 2016 · Amount on Record
Deed Document Number	2016002736
Deed Book / Page	4896 / 0816
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3723 BRAMBLY AVE, SAINT CLOUD, FL 34772-8279
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3723 BRAMBLY AVE, SAINT CLOUD, FL 34772-8279

Mortgage

Document Number	0060801681
Date	Nov 4, 2021
Book Page	6080/1681
Instrument	2021172287

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3723 BRAMBLY AVE, SAINT CLOUD, FL 34772-8279
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051161523
Date	Mar 14, 2017
Book Page	5116/1523
Instrument	2017039507

Lender

Name	UNITED STATES FCU
Type	Credit Union
Address	ALEXANDRIA, VA 22314

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 14, 2027

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3723 BRAMBLY AVE, SAINT CLOUD, FL 34772-8279
Document Number	0056891236
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	3815 N HIGHWAY 1 COCOA FL 329265931, COCOA, FL 32926-5931

Mortgage

Document Number	0056891236
Date	Mar 10, 2020
Book Page	005689/001236
Instrument	34701

Lender

Name	IBERIABANK
Type	Bank
Address	918 S ORANGE AVE, ORLANDO, FL 32806-1213

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Mar 9, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,784.00 (+6.23%) Homeowner's exemption	$254,301 (+5.99%)	$342,000 (-10.09%) Land $70,000 Building $272,000
2023	$3,562.00 (+3.61%) Homeowner's exemption	$239,937 (+3%)	$380,400 (+14.47%) Land $60,000 Building $320,400
2022	$3,438.00 Homeowner's exemption	$232,949	$332,300 Land $55,000 Building $277,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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