3855 Crosley Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3855 Crosley Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,100 sqft · built 1985
Lot Size	2.38 acres (103,716 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Nov 2020)
Tax Bill	$3,260 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`88862`

Property Details

APN / Parcel Number

Primary APN	`88862`
Alternative APN	`362630495000010875`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,100 sqft Heated Area
Gross Area	1,460 sqft
1st Floor Area	1,100 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2002
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	103,716 sqft (2.38 acres)
Garage Type	Carport
Carport	Carport
Carport Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	360 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	160 sqft
Pole Barn	840 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88862
Street Address	3855 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 20 N 1/2 OF LOT 87 LESS W 25 FT
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	87
Legal Block	1
Legal Lot Number	87
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2017	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Nov 10, 2020	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 19, 2018	Warranty Deed, Transfer · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	2020153848
Deed Book / Page	5830 / 585
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052091579
Date	Sep 19, 2017
Book Page	5209/1579
Instrument	2017132324

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	PORT SAINT JOE, FL 32456

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	215 Months
Due	Aug 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 10, 2020
Property Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0058300585
Book / Page	5830 / 585
Map Reference	MB B PG 20
Instrument Date	Nov 6, 2020
Instrument	2020153848
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	BLUE OCEAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,065.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22820 COUNTY ROAD 44A, 22820, EUSTIS, FL 32736-9381

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Investor	Possibly a Property Investor

Mortgage

Document Number	0005830587
Date	Nov 10, 2020
Instrument	5830/587

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2018
Property Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0053030392
Book / Page	5303 / 0392
Map Reference	MB B PG20
Instrument Date	Mar 15, 2018
Instrument	2018044043
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3855 CROSLEY AVE, 3855, SAINT CLOUD, FL 34772-8150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 CROSLEY AVE, SAINT CLOUD, FL 34772-8150

Mortgage

Document Number	2018044044
Date	Mar 19, 2018
Instrument	2018044044

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,260.00 (+7.88%) Homeowner's exemption	$224,769 (+5.99%)	$340,100 (+12.73%) Land $154,800 Building $185,300
2023	$3,022.00 (+4.46%) Homeowner's exemption	$212,073 (+3%)	$301,700 (+14.93%) Land $120,200 Building $181,500
2022	$2,893.00 Homeowner's exemption	$205,897	$262,500 Land $107,100 Building $155,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 60% of the US · lower than 66% 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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