3765 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3765 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,243 sqft · built 1989
Lot Size	2.36 acres (103,237 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jan 2023)
Tax Bill	$4,502 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88818`

Property Details

APN / Parcel Number

Primary APN	`88818`
Alternative APN	`362630495000010560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,243 sqft Heated Area
Gross Area	1,459 sqft
1st Floor Area	1,243 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2001
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	103,237 sqft (2.36 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	216 sqft
Patio Area	450 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88818
Street Address	3765 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8197
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 20 N 1/2 LOT 56 AKA SAINT CLOUD MANOR ESTATES UNIT 3 PB 1 PG 413 N 1/2 OF LOT 56
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	ST CLOUD MANOR EST 3
Legal Tract	4950
Legal Block	1
Legal Lot Number	56
Legal Unit	3P
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	Individual Name on Record
Mailing Address	4908 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
Sep 9, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Aug 23, 2021	Deed of Trust, Mortgage · FHA Mortgage CORELOGIC SOLEX
Dec 20, 2018	Warranty Deed, Transfer CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	Dec 20, 2018 · Amount on Record
Deed Document Number	2023000696
Deed Book / Page	6339 / 1511
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2023
Property Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197
Document Number	0063391511
Book / Page	6339 / 1511
Map Reference	MB B PG 20
Instrument Date	Dec 29, 2022
Instrument	2023000696
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	EXPERTS TITLE TEAM LLC, THE EXPERTS TITLE TEAM LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700903, SAINT CLOUD, FL 34770-0903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 RAYLENE WAY, SAINT CLOUD, FL 34771-8318

Mortgage

Document Number	0063391513
Date	Jan 3, 2023
Instrument	6339/1513

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197

Mortgage

Document Number	0060391197
Date	Sep 9, 2021
Book Page	6039/1197
Instrument	2021139566

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Dec 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197

Mortgage

Document Number	0060280400
Date	Aug 23, 2021
Book Page	6028/400
Instrument	2021130557

Lender

Name	CORELOGIC SOLEX
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Jan 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2018
Property Address	3765 CORD AVE, SAINT CLOUD, FL 34772-8197
Document Number	0054521962
Book / Page	005452 / 001962
Instrument Date	Dec 11, 2018
Instrument	185977
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Tax	$1,319.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3765 CORD AVE ST CLOUD FL 347728197, ST CLOUD, FL 34772-8197

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	$4,502.00 (+2.57%)	$273,500 (+1.37%) Land $119,700 Building $153,800	$273,500 (+1.37%) Land $119,700 Building $153,800
2023	$4,389.00 (+111.93%)	$269,800 (+83.38%) Land $118,500 Building $151,300	$269,800 (+38.22%) Land $118,500 Building $151,300
2022	$2,071.00 Homeowner's exemption	$147,124	$195,200 Land $94,800 Building $100,400

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.

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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