3758 Arroyo Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3758 Arroyo Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,820 sqft · built 2017
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$277,600 (Apr 2017)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`352630096400014530`

Property Details

APN / Parcel Number

Primary APN	`352630096400014530`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,820 sqft Heated Area
Gross Area	3,561 sqft
1st Floor Area	1,634 sqft
Upper Floors Area	1,186 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	313 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3758 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 453
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	453
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
May 14, 2021	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Jul 3, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 19, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2017 · Amount on Record
Deed Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	2017058510
Deed Book / Page	5134 / 2973
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number	0061240279
Date	Jan 6, 2022
Book Page	6124/279
Instrument	2022003519

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number	0059580637
Date	May 14, 2021
Book Page	5958/637
Instrument	2021074343

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number	0051820980
Book / Page	005182 / 000980
Instrument Date	Jul 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3758 ARROYO CIR ST CLOUD FL 347728158, ST CLOUD, FL 34772-8158

Mortgage

Document Number	0051820980
Date	Jul 20, 2017
Book Page	005182/000980
Instrument	105914

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 19, 2017
Property Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number	0051342973
Book / Page	5134 / 2973
Map Reference	MB24 PG161-167
Instrument Date	Apr 18, 2017
Instrument	2017058510
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,943.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3758 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number	0051342975
Date	Apr 19, 2017
Instrument	5134/2975

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$287,262 (+5.99%)	$415,800 (+3.38%) Land $70,000 Building $345,800
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$271,036 (+3%)	$402,200 (+10.13%) Land $65,000 Building $337,200
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$263,142	$365,200 Land $60,000 Building $305,200

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
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.

Wildfire

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.

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 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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