Osceola County property record for 2812 Jebidiah Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,581 sqft · built 2004 |
| Lot Size | 0.196 acres (8,581 sqft) |
| Owner | Individual Name on File |
| Last Sale | $244,500 (Dec 2019) |
| Tax Bill | $3,177 (2025) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Apr 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85690 |
| Primary APN | 85690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,581 sqft Heated Area |
| Gross Area | 2,189 sqft |
| 1st Floor Area | 1,581 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,581 sqft (0.196 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 188 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85690 |
|---|---|
| Street Address | 2812 JEBIDIAH CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | CANOE CREEK LAKES UNIT 13 PB 13 PG 136-139 LOT 114 15, 22-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 589 |
| Legal Block | 1 |
| Legal Lot Number | 114 15 |
| Legal Unit | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 43208 |
Source: Osceola County records · APN 85690
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 |
|---|---|
| Mailing Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 03, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Apr 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Oct 23, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Dec 23, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 2019 · Amount on Record |
| Deed Sale | Dec 23, 2019 · Amount on Record |
| Prior Sale | Aug 24, 2016 · Amount on Record |
| Deed Document Number | 2019166764 |
| Deed Book / Page | 5646 / 1364 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Document Number | 0068741962 |
|---|---|
| Date | Nov 03, 2025 |
| Book Page | 6874/1962 |
| Instrument | 2025135973 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 252 Months |
| Due | Nov 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Document Number | 0063920819 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | 6392/819 |
| Instrument | 2023047825 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | PORTAGE, MI 49002 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Jan 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052281335 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 5228/1335 |
| Instrument | 2017151974 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 23, 2019 |
| Property Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Document Number | 0056461364 |
| Book / Page | 5646 / 1364 |
| Map Reference | MB 13 PG 136-139 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 2019166764 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,711.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4360 MCINTOSH RDA26, 4360, DOVER, FL 33527 |
| Name | Verified Name |
|---|---|
| Address | 2812 JEBIDIAH CT, SAINT CLOUD, FL 34772-7737 |
| Document Number | 0056461366 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 5646/1366 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,177.00 (+6.4%) Homeowner's exemption | $220,391 (+5.99%) | $311,200 (-2.35%) Land $75,000 Building $236,200 |
| 2023 | $2,986.00 (+3.72%) Homeowner's exemption | $207,942 (+3%) | $318,700 (+20.31%) Land $65,000 Building $253,700 |
| 2022 | $2,879.00 Homeowner's exemption | $201,886 | $264,900 Land $60,000 Building $204,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 41 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020 · other causes |
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Verizon.
Based on FCC filings for 402 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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