3989 Southern Vista Loop, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3989 Southern Vista Loop, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,262 sqft · built 2023
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (May 2025)
Tax Bill	$5,925 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0664-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0664-0001-0250`
Alternative APN	`263013066400010250`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,262 sqft Living Area
Gross Area	2,843 sqft
1st Floor Area	1,099 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3989 SOUTHERN VISTA LOOP
City	SAINT CLOUD
State	FL
Zip	34772-6873
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHERN PINES PH 4 PB 30 PGS 155-158 LOT 25
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	SOUTHERN PINES PHS 4 TAYLOR MORRISON HOM
Legal Phase	4
Legal Lot Number	25
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

3989 Southern Vista Loop is owned and occupied by two individuals who bought it in May 2025.

Source: Osceola County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3989 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6873
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Mar 23, 2023 · Amount on File
Deed Document Number	202557253
Deed Book / Page	6783 / 1053
Record Updated	Oct 29, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 23, 2023
Property Address	3989 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6873
Document Number	0063751170
Book / Page	6375 / 1170
Map Reference	MB 30 PG 155-158
Instrument Date	Mar 23, 2023
Instrument	2023033317
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2600 LAKE LUCIEN DR STE 300, 300, MAITLAND, FL 32751-7232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3989 SOUTHERN VISTA LOOP, SAINT CLOUD, FL 34772-6873

Mortgage

Document Number	0063751172
Date	Mar 23, 2023
Instrument	6375/1172

Lender

Name	TAYLOR MORRISON HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 3989 Southern Vista Loop was $5,925.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,925.00	$373,900 Land $75,000 Building $298,900	$373,900 Land $75,000 Building $298,900
2023	$949.00 (+17.16%)	$60,000 (+33.33%) Land $60,000	$60,000 (+33.33%) Land $60,000
2022	$810.00	$45,000 Land $45,000	$45,000 Land $45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3989 Southern Vista Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 3989 Southern Vista Loop is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 51% 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000