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2823 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2823 Deerfield St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage1,846 sqft Heated Area
Lot Size17,206 sqft (0.394 acres)
OccupancyOwner Occupied
Last Sale$550,000 (2025)
Tax Bill$6,861.00 (2025)

Property Details

APN / Parcel Number

Primary APN117218
Alternative APN
  • 052531332700010850

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,846 sqft Heated Area
Gross Area3,203 sqft Gross Area
1st Floor1,846 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2005
Exterior MaterialFiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area17,206 sqft (0.394 acres)
Parking Spaces4 Parking Spaces
Garage TypeFinished Garage
Garage Area925 sqft Garage

Exterior Amenities

Pool Area288 sqft Pool
Shed1 Shed
Shed Area100 sqft Shed
Deck Area600 sqft Deck
Patio Area300 sqft Patio
PorchOpen Porch
Porch Area432 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number117218
Street Address2823 DEERFIELD ST
CitySAINT CLOUD
StateFL
Zip34771-8848
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 85 05, 06-25-31
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionHAMMOCK POINTE
Legal Tract3327
Legal Block1
Legal Lot Number5-6,85 5
Legal UnitH
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1026
Census Tract43600

Owner

Source: Osceola County records · APN 117218

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2019Deed of Trust, Mortgage · Conventional Mortgage
SEACOAST NATIONAL BANK
Jul 18, 2018Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Sep 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
SEACOAST NATIONAL BANK
Feb 16, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF CENTRAL FLORIDA
Mar 23, 2018Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 14, 2025 · Amount on Record
Deed SaleApr 14, 2025 · Amount on Record
Prior SaleDec 19, 2024 · Amount on Record
Deed Doc Number2025047139
Deed Book / Page6771 / 657
Record RefreshedJun 08, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055600830
DateJul 22, 2019
Book Page5560/0830
Instrument2019093983
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34994
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053690300
DateJul 18, 2018
Book Page5369/0300
Instrument2018109561
Lender
NamePNC BANK NA
TypeBank
AddressPITTSBURGH, PA 15222
Agreement
TypeLine of Credit
AmountAmount Recorded

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848

Mortgage

Document Number0058012138
DateSep 29, 2020
Book Page5801/2138
Instrument2020129927
Lender
NameSEACOAST NATIONAL BANK
TypeBank
AddressSTUART, FL 34994
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848

Mortgage

Document Number0061512007
DateFeb 16, 2022
Book Page6151/2007
Instrument2022025810
Lender
NameBANK OF CENTRAL FLORIDA
TypeBank
AddressLAKELAND, FL 33813
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2823 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Document Number0053090712
Instrument DateMar 23, 2018
Transaction TypeMortgage
Record UpdatedMay 24, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2823 DEERFIELD ST ST CLOUD FL 347718848, ST CLOUD, FL 34771-8848

Mortgage

Document Number0053090712
DateApr 02, 2018
Book Page005309/000712
Instrument50623
Lender
NameATLANTIC BAY MTG
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,861.00 (+97.33%)$421,700 (+84.14%) Land $95,000 Building $326,700$421,700 (+3.51%) Land $95,000 Building $326,700
2023$3,477.00 (+5.62%) Homeowner's exemption$229,013 (+3%)$407,400 (+17.88%) Land $95,000 Building $312,400
2022$3,292.00 Homeowner's exemption$222,343$345,600 Land $75,000 Building $270,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 47% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 1,124 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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