3762 Arroyo Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3762 Arroyo Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,591 sqft · built 2017
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$265,600 (Feb 2017)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352630096400014510`

Property Details

APN / Parcel Number

Primary APN	`352630096400014510`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,591 sqft Heated Area
Gross Area	3,070 sqft
1st Floor Area	1,070 sqft
Upper Floors Area	1,521 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	12,197 sqft (0.28 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	38 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3762 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 451
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	451
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
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	Individual Name on Record
Mailing Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ICONIC MORTGAGE CORP
Jan 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 15, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2017 · Amount on Record
Deed Sale	Feb 15, 2017 · Amount on Record
Prior Sale	Feb 15, 2017 · Amount on Record
Deed Document Number	0051022885
Deed Book / Page	5102 / 2885
Last Transfer Date	Jan 7, 2020
Transfer Doc	0056532542
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number	0058910428
Date	Feb 15, 2021
Book Page	5891/428
Instrument	2021021454

Lender

Name	ICONIC MORTGAGE CORP
Type	Mortgage Company
Address	MIAMI, FL 33132

Agreement

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

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 7, 2020
Property Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number	0056532542
Book / Page	005653 / 002542
Instrument Date	Jan 7, 2020
Instrument	2787
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3762 ARROYO CIR ST CLOUD FL 347728158, ST CLOUD, FL 34772-8158

February 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2017
Property Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number	0051022885
Book / Page	5102 / 2885
Map Reference	MB24 PG161-167
Instrument Date	Feb 13, 2017
Instrument	2017025640
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,859.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3762 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number	0051022887
Date	Feb 15, 2017
Instrument	5102/2887

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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	$3,836.00 (+6.23%) Homeowner's exemption	$257,217 (+5.99%)	$386,500 (+3.54%) Land $70,000 Building $316,500
2023	$3,611.00 (+3.56%) Homeowner's exemption	$242,688 (+3%)	$373,300 (+10.25%) Land $65,000 Building $308,300
2022	$3,487.00 Homeowner's exemption	$235,620	$338,600 Land $60,000 Building $278,600

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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