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3900 Mutter Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3900 Mutter Rd, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1993
Square Footage1,627 sqft Heated Area
Lot Size25,134 sqft (0.576 acres)
OccupancyOwner Occupied
Last Sale$346,000 (2021)
Tax Bill$2,947.00 (2025)

Property Details

APN / Parcel Number

Primary APN82797
Alternative APN
  • 042630091400010220

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,627 sqft Heated Area
Gross Area2,539 sqft Gross Area
1st Floor1,627 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1993
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area25,134 sqft (0.576 acres)
Depth X Width200 ft x 117 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area462 sqft Garage
FenceFence
PorchOpen Porch
Porch Area450 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number82797
Street Address3900 MUTTER RD
CitySAINT CLOUD
StateFL
Zip34769-6830
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 7 REPLAT PB 2 PG 262 LOT 22 LESS BEG MOST WLY COR, N 54 DEG E 68.86 FT, N 38 DEG E 90.5 FT, N 52 DEG W
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATE
Legal Tract914
Legal Block1
Legal Lot Number22
Legal Unit7R
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3004
Census Tract43208

Owner

Source: Osceola County records · APN 82797

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 Address25169 RAYNAGUA BLVD, LOXLEY, AL 36551-7575
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 03, 2021Deed of Trust, Mortgage · Line of Credit
PARTNERS FCU
Nov 03, 2021Warranty Deed, Transfer · Conventional Mortgage
PARTNERS FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 03, 2021 · Amount on Record
Deed SaleNov 03, 2021 · Amount on Record
Prior SaleFeb 04, 2004
Deed Doc Number2021171160
Deed Book / Page6079 / 1039
Record RefreshedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3900 MUTTER RD, SAINT CLOUD, FL 34769-6830
Transaction TypeMortgage
Record UpdatedNov 24, 2021
Title CompanyWATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address113 LAS BRISAS WAY, SAINT CLOUD, FL 34769

Mortgage

Document Number0060791056
DateNov 03, 2021
Book Page6079/1056
Instrument2021171162
Lender
NamePARTNERS FCU
TypeCredit Union
AddressORLANDO, FL 32821
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 03, 2021
Property Address3900 MUTTER RD, SAINT CLOUD, FL 34769-6830
Document Number0060791039
Book / Page6079 / 1039
Map ReferenceMB 2 PG 262
Instrument DateOct 15, 2021
Instrument2021171160
Transaction TypeTransfer
Record UpdatedNov 24, 2021
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,422.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3900 MUTTER RD, SAINT CLOUD, FL 34769-6830

Mortgage

Document Number0060791040
DateNov 03, 2021
Book Page6079/1040
Instrument2021171161
Lender
NamePARTNERS FCU
TypeCredit Union
AddressORLANDO, FL 32821
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 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
MunicipalitySt. Cloud City
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$2,947.00 (+6.51%) Homeowner's exemption$207,525 (+5.99%)$301,900 (-4.04%) Land $65,000 Building $236,900
2023$2,767.00 (+3.79%) Homeowner's exemption$195,803 (+3%)$314,600 (+16%) Land $60,000 Building $254,600
2022$2,666.00 Homeowner's exemption$190,100$271,200 Land $55,000 Building $216,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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