2817 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2817 Deerfield St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,406 sqft · built 2004
Lot Size	0.361 acres (15,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$622,000 (Jun 2023)
Tax Bill	$7,085 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`05-25-31-3327-0001-0820`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-3327-0001-0820`
Alternative APNs	`253105332700010820` `117215`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,406 sqft Living Area
Gross Area	3,019 sqft
1st Floor Area	2,406 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,725 sqft (0.361 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	522 sqft
Porch	Metal Porch
Porch Area	404 sqft
Deck Area	798 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2817 DEERFIELD ST
City	SAINT CLOUD
State	FL
Zip	34771-8848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	HAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 82 08-25-31
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	HAMMOCK POINTE UNIT 3
Legal Tract	3327
Legal Block	820
Legal Lot Number	82
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1026
Census Tract	43600

Owner

Source: Osceola County records, as of May 26, 2026

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	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
May 25, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY CU OF FLORIDA
Jun 12, 2019	Deed of Trust, Mortgage · Line of Credit COMMUNITY CU OF FLORIDA
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Jul 10, 2014 · Amount on Record
Deed Document Number	202371439
Deed Book / Page	6418 / 1498
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2023
Property Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Document Number	0064181498
Book / Page	6418 / 1498
Map Reference	MB 15 PG 111
Instrument Date	May 26, 2023
Instrument	2023071439
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,354.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848

Mortgage

Document Number	0064181500
Date	Jun 5, 2023
Instrument	6418/1500

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Jan 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848

Mortgage

Document Number	0061212694
Date	Jan 4, 2022
Book Page	6121/2694
Instrument	2022001487

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 29, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FEDERAL TITLE INS AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051532627
Date	May 25, 2017
Book Page	5153/2627
Instrument	2017076876

Lender

Name	COMMUNITY CU OF FLORIDA
Type	Credit Union
Address	ROCKLEDGE, FL 32955

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FEDERAL TITLE INS AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055400608
Date	Jun 12, 2019
Book Page	5540/0608
Instrument	2019076080

Lender

Name	COMMUNITY CU OF FLORIDA
Type	Credit Union
Address	ROCKLEDGE, FL 32955

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OMEGA NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057120599
Date	Apr 22, 2020
Book Page	5712/599
Instrument	2020055393

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,085.00 (+65.04%) Homeowner's exemption Veteran's exemption	$483,600 (+68.97%) Land $95,000 Building $388,600	$483,600 (+3.71%) Land $95,000 Building $388,600
2023	$4,293.00 (+5.25%) Homeowner's exemption	$286,205 (+3%)	$466,300 (+16.87%) Land $95,000 Building $371,300
2022	$4,079.00 Homeowner's exemption	$277,869	$399,000 Land $75,000 Building $324,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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