2985 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2985 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2004
Square Footage	1,854 sqft Heated Area
Lot Size	11,413 sqft (0.262 acres)
Occupancy	Owner Occupied
Last Sale	$162,900 (2013)
Tax Bill	$2,555.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`128764`
Alternative APNs	`222630007700010320` `222630275400010320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,854 sqft Heated Area
Gross Area	2,690 sqft Gross Area
1st Floor	1,854 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient 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	11,413 sqft (0.262 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	400 sqft Garage

Exterior Amenities

Pool Area	336 sqft Pool
Fence	Fence
Deck Area	624 sqft Deck
Porch	Open Porch
Porch Area	436 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128764
Old Parcel Number	222630275400010320
Street Address	2985 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 32
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	32
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records · APN 128764

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	2985 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	Apr 30, 2013 · Amount on Record
Deed Sale	Apr 30, 2013 · Amount on Record
Prior Sale	Mar 18, 2004 · Amount on Record
Deed Doc Number	2013068340
Deed Book / Page	4434 / 0758
Record Refreshed	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2985 ELBIB DR, SAINT CLOUD, FL 34772-8527
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	SOURCEPOINT MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 ELBIB DR, SAINT CLOUD, FL 34772-8527

Mortgage

Document Number	0061252652
Date	Jan 10, 2022
Book Page	6125/2652
Instrument	2022004927

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

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	$2,555.00 (+6.68%) Homeowner's exemption	$185,644 (+5.99%)	$335,600 (-2.41%) Land $65,000 Building $270,600
2023	$2,395.00 (+3.9%) Homeowner's exemption	$175,159 (+3%)	$343,900 (+14.82%) Land $60,000 Building $283,900
2022	$2,305.00 Homeowner's exemption	$170,058	$299,500 Land $55,000 Building $244,500

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.