3860 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3860 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,812 sqft · built 2022
Lot Size	2.43 acres (105,851 sqft)
Owner	Individual Name on Record
Last Sale	$184,900 (Sep 2021)
Tax Bill	$8,409 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88746`

Property Details

APN / Parcel Number

Primary APN	`88746`
Alternative APN	`352630495000010810`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,812 sqft Heated Area
Gross Area	4,288 sqft
1st Floor Area	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Architectural Style	Mobile/Manufactured
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	105,851 sqft (2.43 acres)
Garage Type	Finished
Porch	Finished/Screened Porch
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	88746
Street Address	3860 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	S L & I C PB B PG 19 N 1/2 OF LOT 81
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	AGRICULTURAL
Legal Tract	4950
Legal Block	1
Legal Lot Number	81
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
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	3860 CORD AVE, SAINT CLOUD, FL 34772-8092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 20, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
May 14, 2021	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	May 14, 2021 · Amount on Record
Deed Document Number	2021145057
Deed Book / Page	6046 / 1706
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3860 CORD AVE, SAINT CLOUD, FL 34772-8092
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4011 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Investor	Possibly a Property Investor

Mortgage

Document Number	0060021949
Date	Jul 15, 2021
Book Page	6002/1949
Instrument	2021109678

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Aug 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2021
Property Address	3860 CORD AVE, SAINT CLOUD, FL 34772-8092
Document Number	0060461706
Book / Page	6046 / 1706
Map Reference	MB B PG 19
Instrument Date	Sep 16, 2021
Instrument	2021145057
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,294.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 CORD AVE, SAINT CLOUD, FL 34772-8092

Mortgage

Document Number	0060461908
Date	Sep 20, 2021
Instrument	6046/1908

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2021
Property Address	3860 CORD AVE, SAINT CLOUD, FL 34772-8092
Document Number	0059582620
Book / Page	5958 / 2620
Map Reference	MB B PG 19
Instrument Date	May 13, 2021
Instrument	2021074839
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3825 CANOE CREEK RD, SAINT CLOUD, FL 34772-7437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

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	$8,409.00 (+6.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$601,370 (+5.99%)	$613,300 (+8.09%) Land $158,000 Building $455,300
2023	$7,914.00 (+178.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$567,400 (+249.82%) Land $121,500 Building $445,900	$567,400 (+249.82%) Land $121,500 Building $445,900
2022	$2,843.00	$162,200 Land $121,500 Building $40,700	$162,200 Land $121,500 Building $40,700

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.3% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 41 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, T-Mobile.

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