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3840 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3840 Cord Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,654 sqft · built 1987
Lot Size2.61 acres (114,127 sqft)
OwnerIndividual Name on File
Last Sale$480,000 (Oct 2021)
Tax Bill$4,484 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN88745

Property Details

APN / Parcel Number

Primary APN88745
Alternative APN
  • 352630495000010805

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,654 sqft Heated Area
Gross Area2,214 sqft
1st Floor Area1,654 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1997
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area114,127 sqft (2.61 acres)
Garage TypeMixed
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area234 sqft
PorchOpen Porch
Porch Area80 sqft
Deck Area676 sqft
Shed1 Shed
Shed Area330 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number88745
Street Address3840 CORD AVE
CitySAINT CLOUD
StateFL
Zip34772-8092
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 19 S 355 FT OF E 1/2 OF LOTS 65 & 80
Legal Range30E
Legal Township26S
Legal Section35
Legal SubdivisionSEMINOLE LAND&INV CO
Legal Tract4950
Legal Block1
Legal Lot Number65,80 80
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1007
Census Tract43205

Owner

Source: Osceola County records · APN 88745

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3840 CORD AVE, SAINT CLOUD, FL 34772-8092
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 21, 2021 · Amount on Record
Deed SaleOct 21, 2021 · Amount on Record
Prior SaleDec 28, 2016 · Amount on Record
Deed Document Number2021163970
Deed Book / Page6069 / 2621
Record UpdatedJun 08, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 21, 2021
Property Address3840 CORD AVE, SAINT CLOUD, FL 34772-8092
Document Number0060692621
Book / Page6069 / 2621
Map ReferenceMB B PG 19
Instrument DateOct 18, 2021
Instrument2021163970
Transaction TypeTransfer
Record UpdatedNov 09, 2021
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,360.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3840 CORD AVE, 3840, SAINT CLOUD, FL 34772-8092

Transferred To (Grantee/Buyer)

NameVerified Name
Address3840 CORD AVE, SAINT CLOUD, FL 34772-8092

Mortgage

Document Number60692623
DateOct 21, 2021
Instrument6069/2623
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,484.00 (+7.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$318,082 (+5.99%)$405,000 (+12.22%) Land $169,600 Building $235,400
2023$4,182.00 (+4.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$300,115 (+3%)$360,900 (+15.01%) Land $131,800 Building $229,100
2022$4,017.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$291,374$313,800 Land $117,400 Building $196,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 68 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies68 in force
Nearby Flood Claims9 (1997–2020)
Claims Outside the SFHA5 of 9
Most Recent ClaimJun 2020, other causes
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskModerate
above 64% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 382 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 41 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum, AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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