2928 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2928 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2004
Square Footage	2,320 sqft Heated Area
Lot Size	5,271 sqft (0.121 acres)
Garage	Finished, 420 sqft
Occupancy	Owner Occupied
Tax Bill	$5,952.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`128877`
Alternative APN	`222630007700010670`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,320 sqft Heated Area
Gross Area	2,761 sqft Gross Area
1st Floor	1,120 sqft 1st Floor
Upper Floors	1,200 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Aluminum Siding Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,271 sqft (0.121 acres)
Depth X Width	105 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	420 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	28 sqft Patio
Porch	Open Porch
Porch Area	21 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128877
Street Address	2928 ELBIB DR
City	SAINT CLOUD
State	FL
Zip	34772-8525
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CANOE CREEK ESTATES PHASE 7 PB 15 PGS 116-117 LOT 67
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES
Legal Phase	7
Legal Tract	77
Legal Block	1
Legal Lot Number	67
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1009
Census Tract	43207

Owner

Source: Osceola County records · APN 128877

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 Record	Individual Name on File
Mailing Address	2928 ELBIB DR, SAINT CLOUD, FL 34772-8525
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2021
Deed Sale	Feb 13, 2021
Prior Sale	Nov 24, 2004 · Amount on Record
Deed Doc Number	2015182558
Deed Book / Page	4883 / 1482
Prior Transfer Date	Dec 10, 2015
Prior Transfer Doc	2015182558
Record Refreshed	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2928 ELBIB DR, SAINT CLOUD, FL 34772-8525
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2928 ELBIB DR, SAINT CLOUD, FL 34772-8525

Mortgage

Document Number	0060850484
Date	Nov 12, 2021
Book Page	6085/484
Instrument	2021175933

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,952.00 (+11.4%)	$342,800 (-3.22%) Land $65,000 Building $277,800	$342,800 (-3.22%) Land $65,000 Building $277,800
2023	$5,343.00 (+12.04%)	$354,200 (+15.98%) Land $60,000 Building $294,200	$354,200 (+15.98%) Land $60,000 Building $294,200
2022	$4,769.00	$305,400 Land $55,000 Building $250,400	$305,400 Land $55,000 Building $250,400

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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