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3768 Arroyo Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3768 Arroyo Cir, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,972 sqft · built 2016
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$264,000 (Apr 2019)
Tax Bill$3,563 (2025)
Deeds & MortgagesNov 2020 Mortgage
Apr 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN352630096400014480

Property Details

APN / Parcel Number

Primary APN352630096400014480

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,972 sqft Heated Area
Gross Area2,608 sqft
1st Floor Area1,972 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Garage TypeFinished
Garage Area438 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area198 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3768 ARROYO CIR
CitySAINT CLOUD
StateFL
Zip34772-8158
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 448
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionWHALEYS CREEK PH 1 2 & 3
Legal Phase1
Legal Tract964
Legal Lot Number448
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43304

Owner

Source: Osceola County records · APN 352630096400014480

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 RecordIndividual Name on File
Mailing Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 06, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Apr 30, 2019Warranty Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP
Jan 04, 2017Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 30, 2019 · Amount on Record
Deed SaleApr 30, 2019 · Amount on Record
Prior SaleJan 04, 2017 · Amount on Record
Deed Document Number0005516186
Deed Book / Page5516 / 186
Record UpdatedJun 08, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyOMEGA NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058281769
DateNov 06, 2020
Book Page5828/1769
Instrument2020152173
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2019
Property Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number0055160186
Book / Page5516 / 0186
Map ReferenceMB 24 PG 161-167
Instrument DateApr 30, 2019
Instrument2019055027
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,848.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8001 S MINGO RD APT 2813, 8001, TULSA, OK 74133-0847

Transferred To (Grantee/Buyer)

NameVerified Name
Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number2019055028
DateApr 30, 2019
Instrument2019055028
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

January 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 04, 2017
Property Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158
Document Number0050792841
Book / Page5079 / 2841
Map ReferenceMB24 PG161-167
Instrument DateDec 30, 2016
Instrument2017001165
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,674.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

NameVerified Name
Address3768 ARROYO CIR, SAINT CLOUD, FL 34772-8158

Mortgage

Document Number0050792843
DateJan 04, 2017
Instrument5079/2843
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,563.00 (+6.29%) Homeowner's exemption$241,973 (+5.99%)$341,000 (+3.55%) Land $70,000 Building $271,000
2023$3,352.00 (+3.62%) Homeowner's exemption$228,305 (+3%)$329,300 (+10.21%) Land $65,000 Building $264,300
2022$3,235.00 Homeowner's exemption$221,656$298,800 Land $60,000 Building $238,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

Wildfire

Wildfire RiskModerate
above 50% of the US · lower than 79% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, Xfinity.

Based on FCC filings for 322 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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