3865 Crosley Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3865 Crosley Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1985
Lot Size	2.38 acres (103,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,500 (Nov 1994)
Tax Bill	$2,182 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`88861`

Property Details

APN / Parcel Number

Primary APN	`88861`
Alternative APN	`362630495000010870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Heated Area
Gross Area	2,465 sqft
1st Floor Area	1,684 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	103,934 sqft (2.38 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	781 sqft
Patio Area	792 sqft
Fence	Fence
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	88861
Street Address	3865 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 S 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	4950
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	3865 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit PARTNERS FEDERAL CREDIT UNION
Nov 22, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 13, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 1994 · Amount on Record
Deed Sale	Nov 23, 1994 · Amount on Record
Deed Document Number	0012242731
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2026
Property Address	3865 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0000067605
Book / Page	6975 / 2179
Instrument Date	Apr 22, 2026
Instrument	202667605
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3865 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Investor	Possibly a Property Investor

Mortgage

Document Number	0000067605,
Date	May 21, 2026
Book Page	6975/2179
Instrument	202667605

Lender

Name	PARTNERS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3865 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0060912344
Date	Nov 22, 2021
Book Page	6091/2344
Instrument	2021180849

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3865 CROSLEY AVE, SAINT CLOUD, FL 34772-8150
Document Number	0051182782
Book / Page	005118 / 002782
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3865 CROSLEY AVE ST CLOUD FL 347728150, ST CLOUD, FL 34772-8150

Mortgage

Document Number	0051182782
Date	Mar 20, 2017
Book Page	005118/002782
Instrument	42217

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

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	$2,182.00 (+9.26%) Homeowner's exemption	$146,949 (+5.99%)	$364,300 (+12.02%) Land $155,100 Building $209,200
2023	$1,997.00 (+5.33%) Homeowner's exemption	$138,649 (+3%)	$325,200 (+14.99%) Land $120,500 Building $204,700
2022	$1,896.00 Homeowner's exemption	$134,611	$282,800 Land $107,400 Building $175,400

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 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 57% of the US · lower than 70% 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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