3851 Crosley Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3851 Crosley Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 2005
Lot Size	2.37 acres (103,455 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Mar 2024)
Tax Bill	$6,419 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2023 Transfer + 2 more
Flood Zone	Zone A (high risk)
APN	`36-26-30-4950-0001-0745`

Property Details

APN / Parcel Number

Primary APN	`36-26-30-4950-0001-0745`
Alternative APNs	`263036495000010745` `88838`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
Gross Area	2,384 sqft
1st Floor Area	1,712 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	103,455 sqft (2.37 acres)

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	672 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	192 sqft
Pole Barn	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3851 CROSLEY AVE
City	SAINT CLOUD
State	FL
Zip	34772-8150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 60 S 1/2 LOT 74 LESS W 25 FT
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	745
Legal Lot Number	74
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43205

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	1757 SAGE CREEK CT, ORLANDO, FL 32824-9115
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 9, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 21, 2023	Trustee's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Jan 31, 2017	Loan Modification, Mortgage SHELLPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2024 · Amount on Record
Deed Sale	Mar 27, 2024 · Amount on Record
Prior Sale	Aug 21, 2023 · Amount on Record
Deed Document Number	202439286
Deed Book / Page	6572 / 535
Prior Transfer Date	Nov 9, 2023
Prior Transfer Doc	0065031317
Record Updated	Sep 20, 2026

March 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 27, 2024
Property Address	3851 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0065720535
Book / Page	6572 / 535
Map Reference	MB B PG 20
Instrument Date	Mar 15, 2024
Instrument	2024039286
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 MANHATTAN BEACH BOULEVARD STE 100, 100, REDONDO BEACH, CA 90278-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1757 SAGE CREEK CT, ORLANDO, FL 32824-9115

Mortgage

Document Number	0006572537
Date	Mar 27, 2024
Instrument	6572/537

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 9, 2023
Property Address	3851 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0065031317
Book / Page	6503 / 1317
Map Reference	MB B PG 20
Instrument Date	Nov 9, 2023
Instrument	2023148540
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 MANHATTAN BEACH BOULEVARD STE 100, 100, REDONDO BEACH, CA 90278-1230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230

August 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2023
Property Address	3851 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0064602929
Book / Page	6460 / 2929
Map Reference	MB B PG 20
Instrument Date	Aug 21, 2023
Instrument	2023109562
Transaction Type	Foreclosure
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,268.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3851 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0052732472
Book / Page	005273 / 002472
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 CROSLEY AVE ST CLOUD FL 347728150, ST CLOUD, FL 34772-8150

Mortgage

Document Number	0052732472
Date	Jan 23, 2018
Book Page	005273/002472
Instrument	12269

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount Recorded
Term	456 Months
Due	Jan 22, 2056

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,419.00 (+1.78%)	$411,900 (+171.2%) Land $154,400 Building $257,500	$411,900 (+10.22%) Land $154,400 Building $257,500
2024	$6,307.00 (+189.18%)
2023	$2,181.00 (+5.06%) Homeowner's exemption	$151,878 (+3%)	$373,700 (+15.7%) Land $119,900 Building $253,800
2022	$2,076.00 Homeowner's exemption	$147,455	$323,000 Land $106,900 Building $216,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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