3780 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3780 Cord Ave, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1985
Lot Size	2.46 acres (107,549 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Apr 2026)
Tax Bill	$3,216 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-26-30-4950-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`35-26-30-4950-0001-0490`
Alternative APNs	`263035495000010490` `88718`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,092 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	107,549 sqft (2.46 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	152 sqft
Pole Barn	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3780 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 19 S 1/2 LOT 49
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	490
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2027
Census Tract	43304

Owner

Source: Osceola County records · APN 35-26-30-4950-0001-0490

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3770 CORD AVE, SAINT CLOUD, FL 34772-8061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 01, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING, LLC.
Apr 01, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING, LLC.
Jun 20, 2018	Loan Modification, Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2026 · Amount on Record
Deed Sale	Apr 01, 2026 · Amount on Record
Prior Sale	Oct 28, 2016 · Amount on Record
Deed Document Number	202644112
Deed Book / Page	6948 / 2124
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3780 CORD AVE, SAINT CLOUD, FL 34772-8061
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3780 CORD AVE, SAINT CLOUD, FL 34772-8061
Investor	Possibly a Property Investor

Mortgage

Document Number	0061382707
Date	Jan 28, 2022
Book Page	6138/2707
Instrument	2022015391

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 01, 2026
Property Address	3780 CORD AVE, SAINT CLOUD, FL 34772-8061
Document Number	0000044112
Book / Page	6948 / 2124
Instrument Date	Mar 27, 2026
Instrument	202644112
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3770 CORD AVE, SAINT CLOUD, FL 34772-8061

Mortgage

Document Number	0000044113,
Date	Apr 01, 2026
Instrument	202644113

Lender

Name	HOME1ST LENDING, LLC.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 01, 2026
Property Address	3780 CORD AVE, SAINT CLOUD, FL 34772-8061
Document Number	0069482124
Book / Page	6948 / 2124
Instrument Date	Mar 27, 2026
Instrument	202644112
Transaction Type	Transfer
Record Updated	Jul 02, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3770 CORD AVE, SAINT CLOUD, FL 34772-8061

Mortgage

Document Number	0000044113,
Date	Apr 01, 2026
Instrument	202644113

Lender

Name	HOME1ST LENDING, LLC.

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3780 CORD AVE, SAINT CLOUD, FL 34772-8061
Document Number	0053891220
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3780 CORD AVE ST CLOUD FL 347728061, ST CLOUD, FL 34772-8061

Mortgage

Document Number	0053891220
Date	Aug 22, 2018
Book Page	005389/001220
Instrument	128122

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	EWING, NJ 08618

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,216.00 (+2.71%) Homeowner's exemption Veteran's exemption	$212,637 (+5.99%)	$308,200 (+3.42%) Land $124,700 Building $183,500
2024	$3,131.00 (+0.19%)
2023	$3,125.00 (+1.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$200,627 (+3%)	$298,000 (+20.16%) Land $123,500 Building $174,500
2022	$3,075.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$194,784	$248,000 Land $98,800 Building $149,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 36 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 21% of Florida
Wildfire Likelihood	About 1 in 621 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 134 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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