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2821 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2821 Deerfield St, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,468 sqft · built 2004
Lot Size0.344 acres (14,984 sqft)
Owner2 Individual Names on File
Last Sale$46,000 (Sep 2003)
Tax Bill$4,574 (2025)
Deeds & MortgagesJul 2020 Transfer
Apr 2018 Line of Credit
Flood ZoneZone X (moderate risk)
APN05-25-31-3327-0001-0840

Property Details

APN / Parcel Number

Primary APN05-25-31-3327-0001-0840
Alternative APNs
  • 253105332700010840
  • 117217

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,468 sqft Living Area
Gross Area3,216 sqft
1st Floor Area1,618 sqft
Upper Floors Area850 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,984 sqft (0.344 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area392 sqft
PorchFinished/Open Porch
Porch Area286 sqft
Deck Area440 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2821 DEERFIELD ST
CitySAINT CLOUD
StateFL
Zip34771-8848
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS1
Legal DescriptionHAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 84 08-25-31
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionHAMMOCK POINTE UNIT 3
Legal Tract3327
Legal Block840
Legal Lot Number84
Legal UnitH
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1026
Census Tract43600

Owner

Source: Osceola County assessment roll, 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 Record2 Individual Names on File
Mailing Address2821 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Apr 23, 2018Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 17, 2003 · Amount on Record
Deed SaleSep 17, 2003 · Amount on Record
Deed Book / Page2340 / 1699
Last Transfer DateJun 30, 2020
Transfer Doc0057512705
Record UpdatedJun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 9, 2020
Property Address2821 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Document Number0057512705
Book / Page005751 / 002705
Instrument DateJun 30, 2020
Instrument88729
Transaction TypeTransfer
Record UpdatedAug 25, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2821 DEERFIELD ST ST CLOUD FL 347718848, ST CLOUD, FL 34771-8848

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2821 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Document Number0053281201
Instrument DateApr 23, 2018
Transaction TypeMortgage
Record UpdatedJul 10, 2018
Title CompanyAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address2821 DEERFIELD ST ST CLOUD FL 347718848, ST CLOUD, FL 34771-8848

Mortgage

Document Number0053281201
DateMay 4, 2018
Book Page005328/001201
Instrument71475
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 3, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,574.00 (+4.98%) Homeowner's exemption$301,175 (+5.99%)$459,400 (+3.33%) Land $95,000 Building $364,400
2024$4,357.00 (+2.18%)
2023$4,264.00 (+5.26%) Homeowner's exemption$284,164 (+3%)$444,600 (+2.89%) Land $95,000 Building $349,600
2022$4,051.00 Homeowner's exemption$275,888$432,100 Land $75,000 Building $357,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 46% of the US · lower than 82% of Florida
Wildfire Likelihood0.09% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 1,000

May also be available: AT&T, T-Mobile USA, Verizon, Xfinity.

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