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2897 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2897 Elbib Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2002
Square Footage2,215 sqft Living Area
Lot Size8,363 sqft (0.192 acres)
GarageAttached, 420 sqft
Last Sale$372,000 (2021)
Tax Bill$6,106.00 (2024)

Property Details

APN / Parcel Number

Primary APN22-26-30-0076-0001-0090
Alternative APNs
  • 222630276700010090
  • 263022007600010090
  • 128557

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Building Area2,215 sqft Living Area
Gross Area2,656 sqft Gross Area
1st Floor1,120 sqft 1st Floor
Upper Floors1,095 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,363 sqft (0.192 acres)
Depth X Width105 ft x 68 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage
Porch Area21 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2897 ELBIB DR
CitySAINT CLOUD
StateFL
Zip34772-8526
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK ESTATES PHASE 6 PB 13 PG 124-126 LOT 9
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionCANOE CREEK ESTATES PH 6
Legal Phase6
Legal Tract76
Legal Block90
Legal Lot Number9
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1003
Census Tract43207

Owner

Source: Osceola County records · APN 22-26-30-0076-0001-0090

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2022Deed of Trust, Mortgage · Commercial Mortgage
ROYAL BANK OF CANADA
Aug 15, 2022Warranty Deed, Transfer
SELENE TITLE LLC
Dec 30, 2021Warranty Deed, Transfer
Sep 23, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 03, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CENTURY LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 30, 2021 · Amount on Record
Deed SaleDec 30, 2021 · Amount on Record
Prior SaleJan 03, 2018 · Amount on Record
Deed Doc Number2021201931
Deed Book / Page6119 / 1746
Last Transfer DateAug 11, 2022
Transfer Doc0062682759
Record RefreshedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526
Transaction TypeMortgage
Record UpdatedSep 08, 2022
Title CompanySELENE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062720744
DateAug 19, 2022
Book Page6272/744
Instrument2022127801
Lender
NameROYAL BANK OF CANADA
TypeBank
AddressNEW YORK, NY 10281
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 15, 2022
Property Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526
Document Number0062682759
Book / Page6268 / 2759
Instrument DateAug 11, 2022
Instrument2022124669
Transaction TypeTransfer
Record UpdatedSep 01, 2022
Title CompanySELENE TITLE LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 30, 2021
Property Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526
Document Number0061191746
Book / Page6119 / 1746
Map ReferenceMB 13 PG 124
Instrument DateDec 27, 2021
Instrument2021201931
Transaction TypeTransfer
Record UpdatedJan 14, 2022

Transaction

AmountAmount Recorded
Tax$2,604.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2502 BOBBY LEE LN, 2502, SAINT CLOUD, FL 34772-8263

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526

Mortgage

Document Number0057990133
DateSep 23, 2020
Book Page5799/133
Instrument2020127660
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term329 Months
DueFeb 01, 2048

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 03, 2018
Property Address2897 ELBIB DR, SAINT CLOUD, FL 34772-8526
Document Number0052631405
Book / Page005263 / 001405
Instrument DateJan 02, 2018
Instrument1720
Transaction TypeTransfer
Record UpdatedFeb 06, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2897 ELBIB DR ST CLOUD FL 347728526, ST CLOUD, FL 34772-8526

Mortgage

Document Number52631407
DateJan 03, 2018
Book Page005263/001407
Instrument1721
Lender
NameCENTURY LNDG
AddressLOUISVILLE, KY 40223
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 02, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,828.00 (-4.55%)$325,400 (-3.15%) Land $65,000 Building $260,400$325,400 (-3.15%) Land $65,000 Building $260,400
2024$6,106.00 (+0.84%)
2023$6,055.00 (+15.93%)$336,000 (+16.02%) Land $60,000 Building $276,000$336,000 (+16.02%) Land $60,000 Building $276,000
2022$5,223.00$289,600 Land $55,000 Building $234,600$289,600 Land $55,000 Building $234,600

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 HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 35% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,500 per year
ExposureDirect
burnable vegetation at the parcel

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

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