Osceola County property record for 3765 Edsel Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,540 sqft · built 1990 |
| Lot Size | 2.06 acres (89,995 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Mar 2021) |
| Tax Bill | $4,330 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 88817 |
| Primary APN | 88817 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,540 sqft Heated Area |
| Gross Area | 3,180 sqft |
| 1st Floor Area | 1,540 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 89,995 sqft (2.06 acres) |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 860 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 88817 |
|---|---|
| Street Address | 3765 EDSEL AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 20 S 150 FT OF N 282.25 FT OF LOT 54 LESS THE S 17.75 FT OF E 440.54 FT |
| 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 | 54 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 43304 |
Source: Osceola County records · APN 88817
Assessment roll updated July 1, 2025 · Last verified December 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 | 3765 EDSEL AVE, SAINT CLOUD, FL 34772-8135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2021 | Warranty Deed, Transfer · USDA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS |
| Aug 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 19, 2021 · Amount on Record |
| Deed Sale | Mar 19, 2021 · Amount on Record |
| Prior Sale | May 25, 2005 · Amount on Record |
| Deed Document Number | 2021041530 |
| Deed Book / Page | 5916 / 1519 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 19, 2021 |
| Property Address | 3765 EDSEL AVE, SAINT CLOUD, FL 34772-8135 |
| Document Number | 0059161519 |
| Book / Page | 5916 / 1519 |
| Map Reference | MB B PB 20 |
| Instrument Date | Mar 17, 2021 |
| Instrument | 2021041530 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3109 RUSTLING OAKS DR, 3109, NUNNELLY, TN 37137-5972 |
| Name | Verified Name |
|---|---|
| Address | 3765 EDSEL AVE, SAINT CLOUD, FL 34772-8135 |
| Document Number | 59161520 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 5916/1520 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3765 EDSEL AVE, SAINT CLOUD, FL 34772-8135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0057730257 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 5773/257 |
| Instrument | 2020106165 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,330.00 (+8.2%) Homeowner's exemption | $301,971 (+7%) | $342,900 (+4.51%) Land $104,300 Building $238,600 |
| 2023 | $4,002.00 (+4.11%) Homeowner's exemption | $282,220 (+3%) | $328,100 (+19.74%) Land $103,300 Building $224,800 |
| 2022 | $3,844.00 Homeowner's exemption | $274,000 Land $82,600 Building $191,400 | $274,000 Land $82,600 Building $191,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 59 individual NFIP policies nearby |
| 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 |
| Wildfire Risk | Moderate above 59% of the US · above 32% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 412 per year |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 48 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.
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