Osceola County property record for 2945 Elbib Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,854 sqft Living Area |
| Lot Size | 5,270 sqft (0.121 acres) |
| Garage | Attached, 400 sqft |
| Last Sale | $162,000 (2015) |
| Tax Bill | $5,154.00 (2024) |
| Primary APN | 22-26-30-0077-0001-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,854 sqft Living Area |
| Gross Area | 2,290 sqft Gross Area |
| 1st Floor | 1,854 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,270 sqft (0.121 acres) |
| Depth X Width | 105 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Patio Area | 32 sqft Patio |
| Porch Area | 36 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 2945 ELBIB DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8527 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK ESTATES PHASE 7 PB 15 PGS 116-117 LOT 12 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CANOE CREEK ESTATES PH 7 |
| Legal Phase | 7 |
| Legal Tract | 77 |
| Legal Block | 120 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 22-26-30-0077-0001-0120
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 Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 4090, SCOTTSDALE, AZ 85261-4090 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Oct 08, 2018 | Grant Deed, Transfer OS NATIONAL LLC |
| Oct 17, 2018 | Loan Modification, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 10, 2015 · Amount on Record |
| Deed Sale | Nov 10, 2015 · Amount on Record |
| Prior Sale | Aug 23, 2004 · Amount on Record |
| Deed Doc Number | 2015169316 |
| Deed Book / Page | 4870 / 1386 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 08, 2018 |
| Property Address | 2945 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0054141381 |
| Book / Page | 005414 / 001381 |
| Instrument Date | Oct 04, 2018 |
| Instrument | 151294 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 4090 SCOTTSDALE AZ 852614090, SCOTTSDALE, AZ 85261-4090 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 17, 2018 |
| Property Address | 2945 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0054190297 |
| Book / Page | 005419 / 000297 |
| Instrument Date | Oct 04, 2018 |
| Instrument | 155775 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 810 7TH AVE #24TH NEW YORK NY 100195818, 24TH, NEW YORK, NY 10019-5818 |
| Document Number | 54190297 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 005419/000297 |
| Instrument | 155775 |
| Name | MORGAN STANLEY MTG CAP HOLDING |
|---|---|
| Type | Mortgage Company |
| Address | 1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 16, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,425.00 (+5.26%) | $312,600 (-2.95%) Land $65,000 Building $247,600 | $312,600 (-2.95%) Land $65,000 Building $247,600 |
| 2024 | $5,154.00 (+5.94%) | ||
| 2023 | $4,865.00 (+11.97%) | $322,100 (+15.82%) Land $60,000 Building $262,100 | $322,100 (+15.82%) Land $60,000 Building $262,100 |
| 2022 | $4,345.00 | $278,100 Land $55,000 Building $223,100 | $278,100 Land $55,000 Building $223,100 |
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
| 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 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.
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