1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Arroyo Cir

3750 Arroyo Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3750 Arroyo Cir, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,820 sqft · built 2016
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$480,000 (May 2023)
Tax Bill$3,286 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN35-26-30-0964-0001-4570

Property Details

APN / Parcel Number

Primary APN35-26-30-0964-0001-4570
Alternative APN
  • 263035096400014570

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,820 sqft Living Area
Gross Area3,301 sqft
1st Floor Area1,634 sqft
Upper Floors Area1,186 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area428 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area53 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3750 ARROYO CIR
CitySAINT CLOUD
StateFL
Zip34772-8158
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 457
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1
Legal Phase1
Legal Tract964
Legal Block4570
Legal Lot Number457
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 35-26-30-0964-0001-4570

Assessment roll updated November 26, 2025 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address3750 ARROYO CIR, SAINT CLOUD, FL 34772-8158
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 02, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Oct 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 02, 2023 · Amount on Record
Deed SaleMay 02, 2023 · Amount on Record
Prior SaleNov 04, 2016 · Amount on Record
Deed Document Number202354243
Deed Book / Page6398 / 1950
Last Transfer DateJun 22, 2024
Transfer Doc0066230967
Record UpdatedSep 20, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 02, 2023
Property Address3750 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number0063981950
Book / Page6398 / 1950
Map ReferenceMB 24 PG 161
Instrument DateApr 28, 2023
Instrument2023054243
Transaction TypeTransfer
Record UpdatedMay 23, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 691748, ORLANDO, FL 32869-1748

Transferred To (Grantee/Buyer)

NameVerified Name
Address3750 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number0063981952
DateMay 02, 2023
Instrument6398/1952
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2053

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3750 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Transaction TypeMortgage
Record UpdatedNov 09, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3750 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number0060691060
DateOct 20, 2021
Book Page6069/1060
Instrument2021163537
Lender
NameCHURCHILL MORTGAGE CORP
TypeMortgage Company
AddressBRENTWOOD, TN 37027
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,286.00 (-48.24%)$226,473 (-12.06%)$398,800 (+3.85%) Land $70,000 Building $328,800
2024$6,348.00 (+63.65%)
2023$3,879.00 (+3.55%) Homeowner's exemption$257,533 (+3%)$384,000 (+10.22%) Land $65,000 Building $319,000
2022$3,746.00 Homeowner's exemption$250,033$348,400 Land $60,000 Building $288,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskModerate
above 50% of the US · above 20% of Florida
Wildfire LikelihoodAbout 1 in 641 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 322 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Arroyo Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures