3821 Kyle Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3821 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	1,089 sqft Heated Area
Lot Size	6,839 sqft (0.157 acres)
Occupancy	Owner Occupied
Last Sale	$199,000 (2020)
Tax Bill	$2,315.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`87980`
Alternative APN	`262630060100010920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,089 sqft Heated Area
Gross Area	1,421 sqft Gross Area
1st Floor	1,089 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient 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	6,839 sqft (0.157 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	220 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	100 sqft Patio
Porch	Open Porch
Porch Area	112 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	87980
Street Address	3821 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 92
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	92
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2023
Census Tract	43304

Owner

Source: Osceola County records · APN 87980

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	3821 KYLE DR, SAINT CLOUD, FL 34772-7032
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	Jul 29, 2020 · Amount on Record
Deed Sale	Jul 29, 2020 · Amount on Record
Prior Sale	May 20, 2015 · Amount on Record
Deed Doc Number	2020099301
Deed Book / Page	5764 / 1422
Record Refreshed	Jun 08, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2020
Property Address	3821 KYLE DR, SAINT CLOUD, FL 34772-7032
Document Number	0057641422
Book / Page	005764 / 001422
Instrument Date	Jul 24, 2020
Instrument	99301
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3821 KYLE DR ST CLOUD FL 347727032, ST CLOUD, FL 34772-7032

Mortgage

Document Number	57641424
Date	Jul 29, 2020
Book Page	005764/001424
Instrument	99302

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2050

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	$2,315.00 (+6.78%) Homeowner's exemption	$172,258 (+5.99%)	$235,100 (+0.81%) Land $65,000 Building $170,100
2023	$2,168.00 (+4.03%) Homeowner's exemption	$162,529 (+3%)	$233,200 (+31.23%) Land $60,000 Building $173,200
2022	$2,084.00 Homeowner's exemption	$157,796	$177,700 Land $55,000 Building $122,700

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.