Osceola County property record for 3756 Arroyo Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2016 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $246,700 (Sep 2016) |
| Tax Bill | $3,863 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014540 |
| Primary APN | 352630096400014540 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 3,048 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Garage Type | Finished |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 178 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3756 ARROYO CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 454 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Lot Number | 454 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
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 | 3756 ARROYO CIR, SAINT CLOUD, FL 34772-8158 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2016 · Amount on Record |
| Deed Sale | Sep 22, 2016 · Amount on Record |
| Deed Document Number | 2016145287 |
| Deed Book / Page | 5029 / 2299 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3756 ARROYO CIR, SAINT CLOUD, FL 34772-8158 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | CELEBRATION TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 3756 ARROYO CIR, SAINT CLOUD, FL 34772-8158 |
| Document Number | 0061091804 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 6109/1804 |
| Instrument | 2021194243 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32825 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,863.00 (+5.81%) Homeowner's exemption | $258,711 (+5.64%) | $357,800 (+3.08%) Land $70,000 Building $287,800 |
| 2023 | $3,651.00 (+9.12%) Homeowner's exemption | $244,898 (+7.51%) | $347,100 (+13.21%) Land $65,000 Building $282,100 |
| 2022 | $3,346.00 Homeowner's exemption | $227,795 | $306,600 Land $60,000 Building $246,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 322 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: AT&T, Xfinity.
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