3820 Kyle Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3820 Kyle Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	1,240 sqft Heated Area
Lot Size	6,055 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$74,900 (2011)
Tax Bill	$2,220.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`87997`
Alternative APN	`262630060100011090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,240 sqft Heated 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
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,055 sqft (0.139 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	399 sqft Garage
Patio Area	80 sqft Patio
Porch	Open Porch
Porch Area	189 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	87997
Street Address	3820 KYLE DR
City	SAINT CLOUD
State	FL
Zip	34772-7031
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 109
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	CROSS CREEK ESTATES
Legal Phase	2
Legal Tract	601
Legal Block	1
Legal Lot Number	109
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2022
Census Tract	43304

Owner

Source: Osceola County records · APN 87997

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 Record	Individual Name on File
Mailing Address	3820 KYLE DR, SAINT CLOUD, FL 34772-7031
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 24, 2011 · Amount on Record
Deed Sale	May 24, 2011 · Amount on Record
Prior Sale	Aug 14, 2001 · Amount on Record
Deed Doc Number	2011069853
Deed Book / Page	4132 / 0877
Record Refreshed	Jun 08, 2026

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3820 KYLE DR, SAINT CLOUD, FL 34772-7031
Document Number	0053590808
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 KYLE DR ST CLOUD FL 347727031, ST CLOUD, FL 34772-7031

Mortgage

Document Number	0053590808
Date	Jun 29, 2018
Book Page	005359/000808
Instrument	100507

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jun 28, 2045

Interest

Rate	4%

Tax Assessment & Valuation

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

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	$2,220.00 (+6.88%) Homeowner's exemption	$166,917 (+5.99%)	$248,800 (+0.77%) Land $65,000 Building $183,800
2023	$2,077.00 (+4.06%) Homeowner's exemption	$157,489 (+3%)	$246,900 (+31.89%) Land $60,000 Building $186,900
2022	$1,996.00 Homeowner's exemption	$152,902	$187,200 Land $55,000 Building $132,200

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.