3975 Lakeview Acres Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3975 Lakeview Acres Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,887 sqft · built 2020
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Jul 2020)
Tax Bill	$3,848 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`33263149500001118B`

Property Details

APN / Parcel Number

Primary APN	`33263149500001118B`
Alternative APN	`99216`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,887 sqft Heated Area
Gross Area	2,887 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Finished
Garage Area	840 sqft
Porch	Open Porch
Patio Area	903 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	99216
Street Address	3975 LAKEVIEW ACRES RD
City	SAINT CLOUD
State	FL
Zip	34772-9044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	S L & I C PB B PG 29 N 145 FT OF S 165 FT OF W 322.5 FT LOT 118 LESS W 12.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	33
Legal Subdivision	S L I C SOUTH ALLIGATOR LAKE AREA
Legal Tract	4950
Legal Block	1
Legal Lot Number	118
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1015
Census Tract	43802

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	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · Commercial Mortgage MCCOY FCU
Aug 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MCCOY FCU
Jul 8, 2020	Warranty Deed, Construction Loan · Construction Mortgage GATEWAY FIRST BANK
Feb 7, 2020	Warranty Deed, Transfer FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Prior Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	2020087888
Deed Book / Page	5750 / 2928
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044

Mortgage

Document Number	0068690272
Date	Oct 22, 2025
Book Page	6869/272
Instrument	2025131180

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 22, 2045

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Transaction Type	Mortgage
Record Updated	Aug 31, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044

Mortgage

Document Number	0064580087
Date	Aug 15, 2023
Book Page	6458/87
Instrument	2023106575

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 7, 2043

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2020
Property Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Document Number	0057502928
Book / Page	5750 / 2928
Instrument Date	Jul 2, 2020
Instrument	2020087888
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	FLORIDA TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	107 E 13TH ST, 107, SAINT CLOUD, FL 34769-4749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044

Mortgage

Document Number	0057502931
Date	Jul 8, 2020
Instrument	5750/2931

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 2, 2021

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Aug 1, 2020
Change Frequency	Monthly
Min Rate At Change	3.7%
Max Rate At Change	4.7%
Index	Prime Rate
Max Rate	8.7%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2020
Property Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Document Number	0056710533
Book / Page	005671 / 000533
Instrument Date	Jan 31, 2020
Instrument	19636
Transaction Type	Transfer
Record Updated	Feb 28, 2020
Title Company	FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	107 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749
Investor	Possibly a Property Investor

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 6, 2018
Property Address	3975 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9044
Document Number	0052962945
Book / Page	005296 / 002945
Instrument Date	Feb 27, 2018
Instrument	38018
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4024 SHORECREST DR ORLANDO FL 328042225, ORLANDO, FL 32804-2225

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	$3,848.00 (+7.43%) Homeowner's exemption	$267,226 (+5.99%)	$458,600 (+15.72%) Land $72,000 Building $386,600
2023	$3,582.00 (+15.96%) Homeowner's exemption	$252,132 (+3%)	$396,300 (+22.39%) Land $55,000 Building $341,300
2022	$3,089.00 Homeowner's exemption	$244,789	$323,800 Land $45,000 Building $278,800

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.5% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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