3815 Kyle Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 Kyle Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	1,240 sqft Living Area
Lot Size	6,054 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$318,000 (2026)
Tax Bill	$4,293.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0601-0001-0950`
Alternative APNs	`263026060100010950` `87983`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,240 sqft Living Area
Gross Area	1,828 sqft Gross Area
1st Floor	1,240 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design Style
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,054 sqft (0.139 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	399 sqft Garage
Patio Area	80 sqft Patio
Porch Area	189 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3815 KYLE DR
City	SAINT CLOUD
State	FL
Zip	34772-7032
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CROSS CREEK ESTATES PHASES 2 & 3 PB 11 PG 129-131 PHASE 2 LOT 95
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES PHS 2 AND 3
Legal Phase	2
Legal Tract	601
Legal Block	950
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2023
Census Tract	43304

Owner

Source: Osceola County records · APN 26-26-30-0601-0001-0950

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	3815 KYLE DR, SAINT CLOUD, FL 34772-7032
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 07, 2026 · Amount on Record
Deed Sale	Jul 07, 2026 · Amount on Record
Prior Sale	Jun 26, 2014 · Amount on Record
Deed Doc Number	202689037
Deed Book / Page	7000 / 1084
Prior Transfer Date	Oct 12, 2012
Prior Transfer Doc	0043350589
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 07, 2026
Property Address	3815 KYLE DR, SAINT CLOUD, FL 34772-7032
Document Number	0000089037
Book / Page	7000 / 1084
Instrument Date	Jul 06, 2026
Instrument	202689037
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	CORC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$224,826.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 KYLE DR, SAINT CLOUD, FL 34772-7032

Mortgage

Document Number	0000089038,
Date	Jul 07, 2026
Instrument	202689038

Lender

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

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
Municipality	St. Cloud City
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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,293.00 (+7.06%)	$248,000 (+0.81%) Land $65,000 Building $183,000	$248,000 (+0.81%) Land $65,000 Building $183,000
2024	$4,010.00 (+5.58%)
2023	$3,798.00 (+16.79%)	$246,000 (+31.69%) Land $60,000 Building $186,000	$246,000 (+31.69%) Land $60,000 Building $186,000
2022	$3,252.00	$186,800 Land $55,000 Building $131,800	$186,800 Land $55,000 Building $131,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.