3745 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3745 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,028 sqft · built 1983
Lot Size	4.69 acres (204,732 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,710 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88963`

Property Details

APN / Parcel Number

Primary APN	`88963`
Alternative APN	`362630509000010410`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,028 sqft Heated Area
Gross Area	3,160 sqft
1st Floor Area	2,660 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	204,732 sqft (4.69 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	500 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft
Pole Barn	735 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88963
Street Address	3745 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8197
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST UNIT 3 LOT 41 LESS W 5 FT
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	ST CLOUD MANOR EST 3
Legal Tract	5090
Legal Block	1
Legal Lot Number	41
Legal Unit	3L
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1076
Census Tract	43304

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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	3745 CORD AVE, SAINT CLOUD, FL 34772-8197
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage SPLITERO MASTER TRUST
Aug 22, 2018	Warranty Deed, Transfer · Conventional with PMI NMB HM LNS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2024
Deed Sale	Jun 5, 2024
Prior Sale	Apr 12, 1999 · Amount on Record
Deed Document Number	2018128108
Deed Book / Page	5389 / 1141
Prior Transfer Date	Aug 22, 2018
Prior Transfer Doc	2018128108
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3745 CORD AVE, SAINT CLOUD, FL 34772-8197
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3745 CORD AVE, SAINT CLOUD, FL 34772-8197

Mortgage

Document Number	0068782228
Date	Nov 12, 2025
Book Page	6878/2228
Instrument	2025139305

Lender

Name	SPLITERO MASTER TRUST
Type	Private Party
Address	1100 NORTH MARKET STREET, SAINT CLOUD, FL 34772

Agreement

Amount	Amount Recorded

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	3745 CORD AVE, SAINT CLOUD, FL 34772-8197
Document Number	0053891141
Book / Page	005389 / 001141
Instrument Date	Aug 13, 2018
Instrument	128108
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3705 FANCIFUL CT ST CLOUD FL 347728239, ST CLOUD, FL 34772-8239

Mortgage

Document Number	53891143
Date	Aug 22, 2018
Book Page	005389/001143
Instrument	128109

Lender

Name	NMB HM LNS INC
Address	LEBANON, NJ 08833

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,710.00 (+34.96%)	$505,100 (+19.13%) Land $188,000 Building $317,100	$505,100 (+3.08%) Land $188,000 Building $317,100
2023	$5,713.00 (+9.7%) Homeowner's exemption	$424,003 (+12.29%)	$490,000 (+20.22%) Land $188,000 Building $302,000
2022	$5,208.00 Homeowner's exemption	$377,590	$407,600 Land $150,400 Building $257,200

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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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