2828 Deerfield St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2828 Deerfield St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,656 sqft · built 2004
Lot Size	0.41 acres (17,903 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Jul 2021)
Tax Bill	$6,370 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`117193`

Property Details

APN / Parcel Number

Primary APN	`117193`
Alternative APN	`052531332700010600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,656 sqft Heated Area
Gross Area	3,589 sqft
1st Floor Area	2,656 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,903 sqft (0.41 acres)
Garage Type	Finished
Garage Area	759 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	174 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	117193
Street Address	2828 DEERFIELD ST
City	SAINT CLOUD
State	FL
Zip	34771-8847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	HAMMOCK POINTE UNIT THREE PB 15 PG 111 LOT 60 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	5-6,60 5
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

2828 Deerfield St is owned and occupied by an individual who bought it in July 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1322 SW 35TH TER, CAPE CORAL, FL 33914-5152
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 6, 2018	Warranty Deed, Transfer · Conventional with PMI CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Prior Sale	Jun 6, 2018 · Amount on File
Deed Document Number	2021104794
Deed Book / Page	5996 / 736
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2021
Property Address	2828 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0059960736
Book / Page	5996 / 736
Map Reference	MB 15 PG 111
Instrument Date	Jul 1, 2021
Instrument	2021104794
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ADAMS CAMERON TITLE SERVICES, ADAMS CAMERON TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1065 HAMPSTEAD LN, 1065, ORMOND BEACH, FL 32174-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2828 DEERFIELD ST, SAINT CLOUD, FL 34771-8847

Mortgage

Document Number	5996737
Date	Jul 6, 2021
Instrument	5996/737

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2018
Property Address	2828 DEERFIELD ST, SAINT CLOUD, FL 34771-8847
Document Number	0053460139
Book / Page	005346 / 000139
Instrument Date	May 31, 2018
Instrument	87839
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	SMART INT'L TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2828 DEERFIELD ST ST CLOUD FL 347718847, ST CLOUD, FL 34771-8847

Mortgage

Document Number	53460141
Date	Jun 6, 2018
Book Page	005346/000141
Instrument	87840

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2828 Deerfield St was $6,370 with a homeowner's exemption.

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	$6,370.00 Homeowner's exemption	$428,041	$482,700 Land $95,000 Building $387,700
2023	$5,972.00 (+4.81%) Homeowner's exemption	$403,863 (+3%)	$465,300 (+18.67%) Land $95,000 Building $370,300
2022	$5,698.00 Homeowner's exemption	$392,100 Land $75,000 Building $317,100	$392,100 Land $75,000 Building $317,100

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

Flood

FEMA maps place 2828 Deerfield St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2828 Deerfield St is moderate, ranking above 46% of the US, with a 0.09% annual chance of 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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