2804 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2804 Deerfield St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,319 sqft · built 2005
Lot Size	0.348 acres (15,159 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Mar 2024)
Tax Bill	$9,579 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`117205`

Property Details

APN / Parcel Number

Primary APN	`117205`
Alternative APN	`052531332700010720`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,319 sqft Heated Area
Gross Area	4,449 sqft
1st Floor Area	2,056 sqft
Upper Floors Area	1,263 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,159 sqft (0.348 acres)
Garage Type	Finished
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	362 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	117205
Street Address	2804 DEERFIELD ST
City	SAINT CLOUD
State	FL
Zip	34771-8847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 72 08-25-31
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	HAMMOCK POINTE
Legal Tract	3327
Legal Block	1
Legal Lot Number	8,72 8
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 117205

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage FORTRESS BANK
Apr 30, 2021	Warranty Deed, Transfer · VA Mortgage JPMORGAN CHASE BANK NA
Oct 16, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Aug 20, 2018	Grant Deed, Transfer · VA Mortgage USAA
May 15, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2024 · Amount on Record
Deed Sale	Mar 12, 2024 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	2024032168
Deed Book / Page	6564 / 94
Record Updated	Jun 08, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847

Mortgage

Document Number	0065640097
Date	Mar 12, 2024
Book Page	6564/97
Instrument	2024032169

Lender

Name	FORTRESS BANK
Type	Bank
Address	9000 N KNOXVILLE AVE, PEORIA, IL 61615

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2021
Property Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0059480507
Book / Page	5948 / 507
Map Reference	MB 15 PG 111
Instrument Date	Mar 26, 2021
Instrument	2021066258
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	HOUSE OF TITLES, HOUSE OF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PSC2 BOX 1172611726, 1172611726, APO XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847

Mortgage

Document Number	5948508
Date	Apr 30, 2021
Instrument	5948/508

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0056290462
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2804 DEERFIELD ST ST CLOUD FL 347718847, ST CLOUD, FL 34771-8847

Mortgage

Document Number	0056290462
Date	Nov 25, 2019
Book Page	005629/000462
Instrument	153045

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 20, 2018
Property Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0053881019
Book / Page	005388 / 001019
Instrument Date	Aug 20, 2018
Instrument	127179
Transaction Type	Transfer
Record Updated	Sep 19, 2018
Title Company	FIRST AMERICAN TITLE INSURAN C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2804 DEERFIELD ST ST CLOUD FL 347718847, ST CLOUD, FL 34771-8847

Mortgage

Document Number	53881022
Date	Aug 20, 2018
Book Page	005388/001022
Instrument	127181

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2018
Property Address	2804 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0053341349
Book / Page	005334 / 001349
Instrument Date	May 14, 2018
Instrument	76940
Transaction Type	Transfer
Record Updated	Jun 01, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 DEERFIELD ST ST CLOUD FL 347718847, ST CLOUD, FL 34771-8847

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,579.00 (+28.77%)	$613,700 (+19.93%) Land $95,000 Building $518,700	$613,700 (+4.57%) Land $95,000 Building $518,700
2023	$7,439.00 (+4.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$511,704 (+3%)	$586,900 (+18.14%) Land $95,000 Building $491,900
2022	$7,112.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$496,800 Land $75,000 Building $421,800	$496,800 Land $75,000 Building $421,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 24% of Florida
Wildfire Likelihood	About 1 in 840 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 99 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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