Osceola County property record for 2949 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,222 sqft Heated Area |
| Lot Size | 6,316 sqft (0.144 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,000 (2019) |
| Tax Bill | $3,295.00 (2025) |
| Primary APN | 128746 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,222 sqft Heated Area |
| Gross Area | 2,666 sqft Gross Area |
| 1st Floor | 1,120 sqft 1st Floor |
| Upper Floors | 1,102 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,316 sqft (0.144 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Patio Area | 32 sqft Patio |
| Porch | Open Porch |
| Porch Area | 24 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 128746 |
|---|---|
| Old Parcel Number | 222630275400010140 |
| Street Address | 2949 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 14 |
| 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 | 14 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 128746
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2949 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 18, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MR COOPER |
| Apr 01, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2019 · Amount on Record |
| Deed Sale | Apr 01, 2019 · Amount on Record |
| Prior Sale | Aug 11, 2004 · Amount on Record |
| Deed Doc Number | 2019039962 |
| Deed Book / Page | 5499 / 1619 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2949 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0057262020 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 2949 ELBIB DR ST CLOUD FL 347728527, ST CLOUD, FL 34772-8527 |
| Document Number | 0057262020 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 005726/002020 |
| Instrument | 67606 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 01, 2019 |
| Property Address | 2949 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 0054991619 |
| Book / Page | 5499 / 1619 |
| Map Reference | MB 15 PG 116&117 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 2019039962 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 750 S VANCE ST # ST4, 750, LAKEWOOD, CO 80226-5031 |
| Name | Verified Name |
|---|---|
| Address | 2949 ELBIB DR, SAINT CLOUD, FL 34772-8527 |
| Document Number | 2019039963 |
|---|---|
| Date | Apr 01, 2019 |
| Instrument | 2019039963 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,295.00 (+6.36%) Homeowner's exemption | $227,003 (+5.99%) | $326,100 (-3.06%) Land $65,000 Building $261,100 |
| 2023 | $3,098.00 (+3.68%) Homeowner's exemption | $214,181 (+3%) | $336,400 (+15.88%) Land $60,000 Building $276,400 |
| 2022 | $2,988.00 Homeowner's exemption | $207,943 | $290,300 Land $55,000 Building $235,300 |
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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