2982 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2982 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	2,222 sqft Heated Area
Lot Size	8,668 sqft (0.198 acres)
Occupancy	Owner Occupied
Last Sale	$193,000 (2008)
Tax Bill	$1,644.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`128778`
Alternative APNs	`222630007700010470` `222630275400010470`

Interior

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	Vinyl/Resilient Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	8,668 sqft (0.198 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	420 sqft Garage

Exterior Amenities

Pool Area	20 sqft Pool
Fence	Fence
Deck Area	665 sqft Deck
Patio Area	32 sqft Patio
Porch	Open Porch
Porch Area	24 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128778
Old Parcel Number	222630275400010470
Street Address	2982 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 47
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	47
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1009
Census Tract	43207

Owner

Source: Osceola County records · APN 128778

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	2 Owner Names on File
Mailing Address	2982 ELBIB DR, SAINT CLOUD, FL 34772-8525
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 16, 2008 · Amount on Record
Deed Sale	Jan 16, 2008 · Amount on Record
Prior Sale	Nov 21, 2007
Deed Doc Number	2008012266
Deed Book / Page	3627 / 1906
Record Refreshed	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2982 ELBIB DR, SAINT CLOUD, FL 34772-8525
Transaction Type	Mortgage
Record Updated	Jul 08, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059881391
Date	Jun 24, 2021
Book Page	5988/1391
Instrument	2021099076

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

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	$1,644.00 (+8.02%) Homeowner's exemption	$134,726 (+6.35%)	$343,400 (-2.39%) Land $65,000 Building $278,400
2023	$1,522.00 (+32.93%) Homeowner's exemption	$126,687 (+19.84%)	$351,800 (+22.07%) Land $60,000 Building $291,800
2022	$1,145.00 Homeowner's exemption	$105,716	$288,200 Land $55,000 Building $233,200

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.