Osceola County property record for 3822 Kyle Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2007 |
| Square Footage | 1,101 sqft Heated Area |
| Lot Size | 6,011 sqft (0.137 acres) |
| Garage | Finished, 252 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $4,487.00 (2025) |
| Primary APN | 87998 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,101 sqft Heated Area |
| Gross Area | 1,479 sqft Gross Area |
| 1st Floor | 1,101 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,011 sqft (0.137 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 252 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 80 sqft Patio |
| Porch | Open Porch |
| Porch Area | 126 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 87998 |
|---|---|
| Street Address | 3822 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 110 |
| 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 | 110 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 43304 |
Source: Osceola County records · APN 87998
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3822 KYLE DR, SAINT CLOUD, FL 34772-7031 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 05, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| Jul 05, 2017 | Warranty Deed, Transfer · Veterans Administration Mortgage PEOPLES BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 27, 2024 |
| Deed Sale | Dec 27, 2024 |
| Prior Sale | Jul 05, 2017 · Amount on Record |
| Deed Doc Number | 0006720240 |
| Deed Book / Page | 6147 / 1648 |
| Prior Transfer Date | Feb 10, 2022 |
| Prior Transfer Doc | 2022022322 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3822 KYLE DR, SAINT CLOUD, FL 34772-7031 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | ENTITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0055031094 |
|---|---|
| Date | Apr 05, 2019 |
| Book Page | 5503/1094 |
| Instrument | 2019043273 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 10, 2022 |
| Property Address | 3822 KYLE DR, SAINT CLOUD, FL 34772-7031 |
| Document Number | 0061471648 |
| Book / Page | 6147 / 1648 |
| Map Reference | MB 11 PG 129-131 |
| Instrument Date | Feb 01, 2022 |
| Instrument | 2022022322 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PREMIER TITLE OF CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5033 COVEVIEW CT, SAINT CLOUD, FL 34771-7956 |
| Name | Verified Name |
|---|---|
| Address | 1934 TRUXTUN RD, SAN DIEGO, CA 92106-6461 |
| Document Number | 0061471650 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 6147/1650 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Number | 0061471665 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 6147/1665 |
| Instrument | 2022022324 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 05, 2017 |
| Property Address | 3822 KYLE DR, SAINT CLOUD, FL 34772-7031 |
| Document Number | 0051740067 |
| Book / Page | 5174 / 0067 |
| Map Reference | MB11 PG129-131 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 2017097391 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATL TITLE FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3851 CEDAR HAMMOCK TRL, 3851, SAINT CLOUD, FL 34772-8737 |
| Name | Verified Name |
|---|---|
| Address | 3822 KYLE DR, SAINT CLOUD, FL 34772-7031 |
| Investor | Possibly a Property Investor |
| Document Number | 0051740069 |
|---|---|
| Date | Jul 05, 2017 |
| Instrument | 5174/0069 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,487.00 (+0.18%) | $250,500 (+0.8%) Land $65,000 Building $185,500 | $250,500 (+0.8%) Land $65,000 Building $185,500 |
| 2023 | $4,479.00 (+145.29%) | $248,500 (+73.18%) Land $60,000 Building $188,500 | $248,500 (+31.9%) Land $60,000 Building $188,500 |
| 2022 | $1,826.00 Homeowner's exemption | $143,494 | $188,400 Land $55,000 Building $133,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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