2974 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2974 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	2,868 sqft Heated Area
Lot Size	5,271 sqft (0.121 acres)
Occupancy	Owner Occupied
Last Sale	$45,000 (2004)
Tax Bill	$1,725.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`128780`
Alternative APNs	`222630007700010490` `222630275400010490`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,868 sqft Heated Area
Gross Area	3,280 sqft Gross Area
1st Floor	1,228 sqft 1st Floor
Upper Floors	1,640 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
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	400 sqft Garage
Patio Area	32 sqft Patio
Porch	Open Porch
Porch Area	12 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128780
Old Parcel Number	222630275400010490
Street Address	2974 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 49
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	49
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1009
Census Tract	43207

Owner

Source: Osceola County records · APN 128780

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	2974 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	Jul 12, 2004 · Amount on Record
Deed Sale	Jul 12, 2004 · Amount on Record
Prior Sale	May 17, 2004 · Amount on Record
Deed Doc Number	2004143891
Deed Book / Page	2515 / 0145
Record Refreshed	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2974 ELBIB DR, SAINT CLOUD, FL 34772-8525
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2974 ELBIB DR, SAINT CLOUD, FL 34772-8525

Mortgage

Document Number	0065800174
Date	Apr 10, 2024
Book Page	6580/174
Instrument	2024045793

Lender

Name	PRIORITY CU
Type	Credit Union
Address	301 E MICHIGAN ST, ORLANDO, FL 32806

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 09, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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	$1,725.00 (+7.34%) Homeowner's exemption	$139,289 (+5.99%)	$395,200 (-3.52%) Land $65,000 Building $330,200
2023	$1,607.00 Homeowner's exemption	$131,422	$409,600 Land $60,000 Building $349,600

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 Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Moderate above 56% of the US · above 27% of Florida
Wildfire Likelihood	About 1 in 730 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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