3990 Axis Valley Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3990 Axis Valley Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,983 sqft · built 2024
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Nov 2025)
Tax Bill	$5,724 (2025)
Deeds & Mortgages	Nov 2025 Sale Oct 2025 Sale + 8 more
Flood Zone	Zone X (minimal risk)
APN	`312631358300011000`

Property Details

APN / Parcel Number

Primary APN	`312631358300011000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Heated Area
Gross Area	2,576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3990 AXIS VALLEY PL
City	SAINT CLOUD
State	FL
Zip	34772-7980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER RUN ESTATES PH 2 PB 33 PGS 19-22 LOT 100
Legal Phase	2
Legal Lot Number	100
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
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
Mailing Address	4863 CARIBOU RIDGE AVE, SAINT CLOUD, FL 34772-7981
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY
Oct 23, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 3, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Aug 27, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Jul 15, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY
Jul 15, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Jun 13, 2025	Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC
Jun 3, 2025	Special Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC
May 29, 2025	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
May 15, 2024	Special Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Oct 23, 2025 · Amount on Record
Deed Document Number	2025137298
Deed Book / Page	6876 / 1252
Record Updated	Jun 8, 2026

November 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 5, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068761252
Book / Page	6876 / 1252
Map Reference	MB 33 PG 19
Instrument Date	Oct 29, 2025
Instrument	2025137298
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4863 CARIBOU RIDGE AVE, SAINT CLOUD, FL 34772-7981

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068691654
Book / Page	6869 / 1654
Map Reference	MB 33 PG 19
Instrument Date	Oct 20, 2025
Instrument	2025131502
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4852 CARIBOU RIDGE AVE, SAINT CLOUD, FL 34772-7982

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 3, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068440655
Book / Page	6844 / 655
Map Reference	MB 33 PG 19
Instrument Date	Aug 28, 2025
Instrument	2025109694
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 PRONGHORN DR, SAINT CLOUD, FL 34772-7985

August 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068411386
Book / Page	6841 / 1386
Map Reference	MB 33 PG 19
Instrument Date	Aug 21, 2025
Instrument	2025107435
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,674.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 PRONGHORN DR, SAINT CLOUD, FL 34772-7985

July 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068200179
Book / Page	6820 / 179
Map Reference	MB 33 PG 19
Instrument Date	Jul 10, 2025
Instrument	2025088309
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 CARIBOU RIDGE AVE, SAINT CLOUD, FL 34772-7981

July 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068200373
Book / Page	6820 / 373
Map Reference	MB 33 PG 19
Instrument Date	Jun 25, 2025
Instrument	2025088353
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3946 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7976

June 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 13, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0068040447
Book / Page	6804 / 447
Map Reference	MB 33 PG 19
Instrument Date	May 30, 2025
Instrument	2025074776
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3817 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971

Mortgage

Document Number	0006804449
Date	Jun 13, 2025
Instrument	6804/449

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Margin	2

June 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 3, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0067970574
Book / Page	6797 / 574
Map Reference	MB 33 PG 19
Instrument Date	May 28, 2025
Instrument	2025068967
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,005.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3819 PRONGHORN DR, SAINT CLOUD, FL 34772-7985

Mortgage

Document Number	0006797576
Date	Jun 3, 2025
Instrument	6797/576

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 29, 2025
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0067951122
Book / Page	6795 / 1122
Map Reference	MB 33 PG 19
Instrument Date	May 23, 2025
Instrument	2025067547
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3934 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7976

May 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2024
Property Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980
Document Number	0066002166
Book / Page	6600 / 2166
Map Reference	MB 33 PG 19
Instrument Date	May 13, 2024
Instrument	2024063989
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$3,251.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3990 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7980

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	$5,724.00 (+284.16%)	$361,700 (+456.46%) Land $70,000 Building $291,700	$361,700 (+456.46%) Land $70,000 Building $291,700
2024	$1,490.00	$65,000 Land $65,000	$65,000 Land $65,000

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

Flood

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
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	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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