Osceola County property record for 2976 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 | 5,271 sqft (0.121 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,000 (2018) |
| Tax Bill | $3,657.00 (2025) |
| Primary APN | 128779 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,222 sqft Heated Area |
| Gross Area | 3,266 sqft Gross Area |
| 1st Floor | 1,120 sqft 1st Floor |
| Upper Floors | 1,102 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 420 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 384 sqft Patio |
| Porch | Finished/Screened Porch |
| Porch Area | 24 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 128779 |
|---|---|
| Old Parcel Number | 222630275400010480 |
| Street Address | 2976 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 48 |
| 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 | 48 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43207 |
Source: Osceola County records · APN 128779
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 | 2976 ELBIB DR, SAINT CLOUD, FL 34772-8525 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Oct 10, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 10, 2018 · Amount on Record |
| Deed Sale | Oct 10, 2018 · Amount on Record |
| Prior Sale | Dec 03, 2005 · Amount on Record |
| Deed Doc Number | 2018152619 |
| Deed Book / Page | 5415 / 2337 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2976 ELBIB DR, SAINT CLOUD, FL 34772-8525 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2976 ELBIB DR, SAINT CLOUD, FL 34772-8525 |
| Document Number | 0058742392 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5874/2392 |
| Instrument | 2021009481 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Address | PONTIAC, MI 48341 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 10, 2018 |
| Property Address | 2976 ELBIB DR, SAINT CLOUD, FL 34772-8525 |
| Document Number | 0054152337 |
| Book / Page | 5415 / 2337 |
| Map Reference | MB15 PG116-117 |
| Instrument Date | Oct 04, 2018 |
| Instrument | 2018152619 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | FIRST CLASS TITLE LLC |
| 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 | 2311 SWEETWATER BLVD, 2311, SAINT CLOUD, FL 34772-8605 |
| Name | Verified Name |
|---|---|
| Address | 2976 ELBIB DR, SAINT CLOUD, FL 34772-8525 |
| Document Number | 2018152620 |
|---|---|
| Date | Oct 10, 2018 |
| Instrument | 2018152620 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
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 | $3,657.00 (+6.28%) Homeowner's exemption | $247,192 (+5.99%) | $349,200 (-3.24%) Land $65,000 Building $284,200 |
| 2023 | $3,441.00 (+4.56%) Homeowner's exemption | $233,230 (+3.75%) | $360,900 (+16.46%) Land $60,000 Building $300,900 |
| 2022 | $3,291.00 Homeowner's exemption | $224,796 | $309,900 Land $55,000 Building $254,900 |
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 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 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.
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