Osceola County property record for 3814 Marietta Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,694 sqft · built 2009 |
| Lot Size | 0.317 acres (13,809 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $202,000 (Nov 2009) |
| Tax Bill | $3,682 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Jan 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 120628 |
| Primary APN | 120628 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,694 sqft Heated Area |
| Gross Area | 3,421 sqft |
| 1st Floor Area | 1,161 sqft |
| Upper Floors Area | 1,533 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,809 sqft (0.317 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 259 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 120628 |
|---|---|
| Street Address | 3814 MARIETTA WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 264 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 264 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43208 |
3814 Marietta Way is owned and occupied by two individuals who bought it in November 2009.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3814 MARIETTA WAY, SAINT CLOUD, FL 34772-8711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 2, 2017 | Deed of Trust, Mortgage · FHA Mortgage BANK OF AMERICA NA |
| Jan 21, 2017 | Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2009 · Amount on File |
| Deed Sale | Nov 18, 2009 · Amount on File |
| Deed Document Number | 2009184030 |
| Deed Book / Page | 3915 / 2057 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3814 MARIETTA WAY, SAINT CLOUD, FL 34772-8711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050961631 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 5096/1631 |
| Instrument | 2017018586 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63120 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3814 MARIETTA WAY, SAINT CLOUD, FL 34772-8711 |
| Document Number | 0050961639 |
| Instrument Date | Jan 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3814 MARIETTA WAY ST CLOUD FL 347728711, ST CLOUD, FL 34772-8711 |
| Document Number | 0050961639 |
|---|---|
| Date | Feb 2, 2017 |
| Book Page | 005096/001639 |
| Instrument | 18587 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | BROOMFIELD, CO 80021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
The 2025 property tax bill for 3814 Marietta Way was $3,682 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,682.00 Homeowner's exemption | $147,858 | $388,300 Land $85,000 Building $303,300 |
| 2023 | $3,354.00 (+6.82%) Homeowner's exemption | $139,506 (+3%) | $354,300 (+10.79%) Land $75,000 Building $279,300 |
| 2022 | $3,140.00 Homeowner's exemption | $135,443 | $319,800 Land $70,000 Building $249,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3814 Marietta Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 File median of 41 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020 · other causes |
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 risk around 3814 Marietta Way is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| CenturyLink Fiber | 100 / 100 |
May also be available: Verizon.
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