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2808 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2808 Deerfield St, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,178 sqft · built 2004
Lot Size0.344 acres (14,984 sqft)
Owner2 Individual Names on File
Last Sale$545,000 (Sep 2021)
Tax Bill$7,305 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Aug 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN05-25-31-3327-0001-0700

Property Details

APN / Parcel Number

Primary APN05-25-31-3327-0001-0700
Alternative APNs
  • 253105332700010700
  • 117203

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,178 sqft Living Area
Gross Area3,379 sqft
1st Floor Area2,178 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2009
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,984 sqft (0.344 acres)
Garage TypeAttached
Garage Area749 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area312 sqft
PorchFlorida Room
Porch Area452 sqft
Deck Area432 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2808 DEERFIELD ST
CitySAINT CLOUD
StateFL
Zip34771-8847
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 70 08-25-31
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionHAMMOCK POINTE UNIT 3
Legal Tract3327
Legal Block700
Legal Lot Number70
Legal UnitH
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

Source: Osceola County records · APN 05-25-31-3327-0001-0700

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Sep 02, 2021Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCING CORP
Aug 11, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Nov 30, 2017Warranty Deed, Transfer · Conventional Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 02, 2021 · Amount on Record
Deed SaleSep 02, 2021 · Amount on Record
Prior SaleNov 30, 2017 · Amount on Record
Deed Document Number2021137146
Deed Book / Page6036 / 733
Record UpdatedSep 20, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 02, 2021
Property Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number0060360733
Book / Page6036 / 733
Map ReferenceMB 15 PG 111
Instrument DateAug 19, 2021
Instrument2021137146
Transaction TypeTransfer
Record UpdatedSep 20, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address310 BROADVIEW AVE, 310, BARBERTON, OH 44203-1107

Transferred To (Grantee/Buyer)

NameVerified Name
Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847

Mortgage

Document Number6036735
DateSep 02, 2021
Instrument6036/735
Lender
NameAMERICAN FINANCING CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057712921
DateAug 11, 2020
Book Page5771/2921
Instrument2020105213
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 01, 2035

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 30, 2017
Property Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number0052461608
Book / Page5246 / 1608
Map ReferenceMB15 PG111
Instrument DateOct 27, 2017
Instrument2017170212
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCELEBERATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,107.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2391 LEISURE LAKE DR, 2391, ATLANTA, GA 30338-5316

Transferred To (Grantee/Buyer)

NameVerified Name
Address2808 DEERFIELD ST, SAINT CLOUD, FL 34771-8847

Mortgage

Document Number2017170216
DateNov 30, 2017
Instrument2017170216
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
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$7,305.00 (+0.07%) Homeowner's exemption$494,100 (+3.91%) Land $95,000 Building $399,100$494,100 (+3.91%) Land $95,000 Building $399,100
2023$7,300.00 (+13.32%)$475,500 (+17.61%) Land $95,000 Building $380,500$475,500 (+17.61%) Land $95,000 Building $380,500
2022$6,442.00$404,300 Land $75,000 Building $329,300$404,300 Land $75,000 Building $329,300

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 278 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
253 of 278 on primary residences
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Flood Events
  • Hurricane Ian (Sep 2022), 4 claims
  • Hurricane Ian (Sep 2022), 3 claims
  • Hurricane Irma (Sep 2017), 6 claims

Wildfire

Wildfire RiskModerate
above 53% of the US · above 24% of Florida
Wildfire LikelihoodAbout 1 in 840 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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