Osceola County property record for 2812 Deerfield St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,853 sqft · built 2004 |
| Lot Size | 0.36 acres (15,681 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $318,000 (Aug 2019) |
| Tax Bill | $4,304 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-25-31-3327-0001-0680 |
| Primary APN | 05-25-31-3327-0001-0680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,853 sqft Living Area |
| Gross Area | 2,614 sqft |
| 1st Floor Area | 1,853 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,681 sqft (0.36 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 240 sqft |
| Porch | Metal Porch |
| Porch Area | 427 sqft |
| Deck Area | 552 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2812 DEERFIELD ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS1 |
| Legal Description | HAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 68 08-25-31 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 05 |
| Legal Subdivision | HAMMOCK POINTE UNIT 3 |
| Legal Tract | 3327 |
| Legal Block | 680 |
| Legal Lot Number | 68 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2812 DEERFIELD ST, SAINT CLOUD, FL 34771-8847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 30, 2019 | Warranty Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2019 · Amount on Record |
| Deed Sale | Aug 30, 2019 · Amount on Record |
| Prior Sale | Mar 11, 2004 · Amount on Record |
| Deed Document Number | 2019113326 |
| Deed Book / Page | 5582 / 2885 |
| Prior Transfer Date | Nov 13, 2012 |
| Prior Transfer Doc | 0043650777 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2812 DEERFIELD ST, SAINT CLOUD, FL 34771-8847 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0058302194 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 5830/2194 |
| Instrument | 2020154346 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 30, 2019 |
| Property Address | 2812 DEERFIELD ST, SAINT CLOUD, FL 34771-8847 |
| Document Number | 0055822885 |
| Book / Page | 5582 / 2885 |
| Map Reference | MB 15 PG 111 |
| Instrument Date | Aug 30, 2019 |
| Instrument | 2019113326 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3741 NW 192ND DR, 3741, NEWBERRY, FL 32669-2458 |
| Name | Verified Name |
|---|---|
| Address | 2812 DEERFIELD ST, SAINT CLOUD, FL 34771-8847 |
| Document Number | 0055822886 |
|---|---|
| Date | Aug 30, 2019 |
| Instrument | 5582/2886 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,304.00 (+5.1%) Homeowner's exemption | $282,072 (+5.99%) | $400,300 (+3.7%) Land $95,000 Building $305,300 |
| 2024 | $4,095.00 (+2.2%) | ||
| 2023 | $4,007.00 (+5.36%) Homeowner's exemption | $266,139 (+3%) | $386,000 (+18.51%) Land $95,000 Building $291,000 |
| 2022 | $3,803.00 Homeowner's exemption | $258,388 | $325,700 Land $75,000 Building $250,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 278 policies |
| 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 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 394 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, T-Mobile, Verizon, Xfinity.
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