2951 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2951 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,854 sqft Heated Area
Lot Size	7,710 sqft (0.176 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2019)
Tax Bill	$3,122.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`128747`
Alternative APNs	`222630007700010150` `222630275400010150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,854 sqft Heated 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

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,710 sqft (0.176 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage
Patio Area	32 sqft Patio
Porch	Open Porch
Porch Area	36 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128747
Old Parcel Number	222630275400010150
Street Address	2951 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 15
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	15
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records · APN 128747

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	2951 ELBIB DR, SAINT CLOUD, FL 34772-8527
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Aug 09, 2004 · Amount on Record
Deed Doc Number	2019083028
Deed Book / Page	5548 / 0667
Record Refreshed	Jun 08, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2019
Property Address	2951 ELBIB DR, SAINT CLOUD, FL 34772-8527
Document Number	0055480667
Book / Page	5548 / 0667
Map Reference	MB 15 PG 116&117
Instrument Date	Jun 26, 2019
Instrument	2019083028
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 166, BRECKENRIDGE, CO 80424-0161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2951 ELBIB DR, SAINT CLOUD, FL 34772-8527

Mortgage

Document Number	0005548668
Date	Jun 27, 2019
Instrument	5548/668

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

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	$3,122.00 (+6.44%) Homeowner's exemption	$217,312 (+5.99%)	$312,400 (-2.95%) Land $65,000 Building $247,400
2023	$2,933.00 (+3.71%) Homeowner's exemption	$205,037 (+3%)	$321,900 (+15.83%) Land $60,000 Building $261,900
2022	$2,828.00 Homeowner's exemption	$199,066	$277,900 Land $55,000 Building $222,900

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	Moderate
500-Year Floodplain	Yes
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.