3815 Crosley Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 Crosley Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,140 sqft · built 1964
Lot Size	2.36 acres (102,801 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Jun 2024)
Tax Bill	$4,501 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`36-26-30-4950-0001-0710`

Property Details

APN / Parcel Number

Primary APN	`36-26-30-4950-0001-0710`
Alternative APNs	`263036495000010710` `88833`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	1,866 sqft
1st Floor Area	1,140 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	102,801 sqft (2.36 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Open Porch
Porch Area	161 sqft
Pole Barn	1,728 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3815 CROSLEY AVE
City	SAINT CLOUD
State	FL
Zip	34772-8150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 20 A PORTION OF LOT 71: BEG AT SW COR OF LOT 71, N 01-16-43W 300.65 FT, N89-444-14E 341.42 FT, S01-17-21E 300.49 FT, S89-42-38W 341.47 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	710
Legal Lot Number	71
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43205

Owner

3815 Crosley Ave is owned by two individuals who bought it in June 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5252 SUNSET CANYON DR, KISSIMMEE, FL 34758-1701
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 24, 2024	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
May 3, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2023	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Sep 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 4, 2017	Quit Claim Deed, Transfer PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2024 · Amount on File
Deed Sale	Jun 24, 2024 · Amount on File
Prior Sale	May 17, 2023 · Amount on File
Deed Document Number	202482812
Deed Book / Page	6622 / 257
Prior Transfer Date	Jul 15, 1996
Prior Transfer Doc	1339002352
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059340742
Date	Apr 13, 2021
Book Page	5934/742
Instrument	2021055440

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Mortgage

Document Number	0061910326
Date	Apr 11, 2022
Book Page	6191/326
Instrument	2022056965

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Feb 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2024
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0066220257
Book / Page	6622 / 257
Map Reference	MB B PG 20
Instrument Date	Jun 20, 2024
Instrument	2024082812
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5252 SUNSET CANYON DR, KISSIMMEE, FL 34758-1701

Mortgage

Document Number	2024082813
Date	Jun 24, 2024
Instrument	2024082813

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2023
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0063992902
Book / Page	6399 / 2902
Map Reference	MB B PG 20
Instrument Date	Apr 28, 2023
Instrument	2023055191
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Mortgage

Document Number	0063992904
Date	May 3, 2023
Instrument	6399/2904

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2023
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0064090303
Book / Page	6409 / 303
Map Reference	MB B PG 20
Instrument Date	Apr 28, 2023
Instrument	2023063450
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0054072808
Instrument Date	Sep 21, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3815 CROSLEY AVE ST CLOUD FL 347728150, ST CLOUD, FL 34772-8150

Mortgage

Document Number	0054072808
Date	Sep 27, 2018
Book Page	005407/002808
Instrument	145476

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2048

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2017
Property Address	3815 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0051892492
Book / Page	005189 / 002492
Instrument Date	Jul 19, 2017
Instrument	112975
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount on Record
Tax	$268.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 CROSLEY AVE ST CLOUD FL 347728150, ST CLOUD, FL 34772-8150

Mortgage

Document Number	51892497
Date	Aug 4, 2017
Book Page	005189/002497
Instrument	112976

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3815 Crosley Ave was $4,501, up 2.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,501.00 (+2.32%)	$314,300 Land $153,400 Building $160,900	$314,300 Land $153,400 Building $160,900
2024	$4,399.00 (+84.83%)
2023	$2,380.00 (-12.37%) Homeowner's exemption	$166,101 (-14.05%)	$275,300 (-4.38%) Land $119,200 Building $156,100
2022	$2,716.00 Homeowner's exemption	$193,264	$287,900 Land $153,800 Building $134,100

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

FEMA maps place 3815 Crosley Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 3815 Crosley Ave is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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