2827 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2827 Deerfield St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,188 sqft · built 2005
Lot Size	0.439 acres (19,166 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Aug 2021)
Tax Bill	$7,512 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`117220`

Property Details

APN / Parcel Number

Primary APN	`117220`
Alternative APN	`052531332700010870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,188 sqft Heated Area
Gross Area	3,183 sqft
1st Floor Area	2,188 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.439 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	435 sqft
Porch	Open Porch
Porch Area	575 sqft
Deck Area	902 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	117220
Street Address	2827 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 87 05, 06-25-31
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	HAMMOCK POINTE
Legal Tract	3327
Legal Block	1
Legal Lot Number	5-6,87 5
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 December 11, 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 Record
Mailing Address	2827 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Apr 13, 2005 · Amount on Record
Deed Document Number	2021128732
Deed Book / Page	6025 / 2830
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2827 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054961107
Date	Mar 25, 2019
Book Page	5496/1107
Instrument	2019037352

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2827 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059742761
Date	Jun 7, 2021
Book Page	5974/2761
Instrument	2021087845

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 19, 2021
Property Address	2827 DEERFIELD ST, SAINT CLOUD, FL 34771-8848
Document Number	0060252830
Book / Page	6025 / 2830
Map Reference	MB 15 PG 111
Instrument Date	Aug 17, 2021
Instrument	2021128732
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3721 S ATLANTIC AVE UNIT 401, 3721, DAYTONA BEACH, FL 32118-7316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2827 DEERFIELD ST, SAINT CLOUD, FL 34771-8848

Mortgage

Document Number	0060252832
Date	Aug 19, 2021
Instrument	6025/2832

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$7,512.00 (+7.1%)	$467,700 (+3.22%) Land $95,000 Building $372,700	$467,700 (+3.22%) Land $95,000 Building $372,700
2023	$7,014.00 (+13.06%)	$453,100 (+16.93%) Land $95,000 Building $358,100	$453,100 (+16.93%) Land $95,000 Building $358,100
2022	$6,204.00	$387,500 Land $75,000 Building $312,500	$387,500 Land $75,000 Building $312,500

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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