Osceola County property record for 3020 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 2003 |
| Square Footage | 2,222 sqft Heated Area |
| Lot Size | 5,271 sqft (0.121 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $410,000 (2024) |
| Tax Bill | $5,984.00 (2025) |
| Primary APN | 128592 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,222 sqft Heated Area |
| Gross Area | 2,954 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 2003 |
|---|---|
| Exterior Material | Vinyl Exterior |
| 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 |
| Porch | 1 Porch |
| Porch Area | 312 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 128592 |
|---|---|
| Old Parcel Number | 222630276700010440 |
| Street Address | 3020 ELBIB DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8513 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK ESTATES PHASE 6 PB 13 PG 124-126 LOT 44 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | CANOE CREEK ESTATES |
| Legal Phase | 6 |
| Legal Tract | 76 |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43207 |
Source: Osceola County records · APN 128592
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 | 3020 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 16, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Apr 03, 2024 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 03, 2024 · Amount on Record |
| Deed Sale | Apr 03, 2024 · Amount on Record |
| Prior Sale | May 10, 2006 · Amount on Record |
| Deed Doc Number | 2024042505 |
| Deed Book / Page | 6576 / 1484 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3020 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3020 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Document Number | 0068941098 |
|---|---|
| Date | Dec 16, 2025 |
| Book Page | 6894/1098 |
| Instrument | 2025153452 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3020 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 107 NIGHTINGALE CT, OLD BRIDGE, NJ 08857-1957 |
| Document Number | 0065761486 |
|---|---|
| Date | Apr 03, 2024 |
| Book Page | 6576/1486 |
| Instrument | 2024042506 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | 101 S TRYON ST, CHARLOTTE, NC 28280 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,984.00 (+387.69%) | $334,100 (+202.85%) Land $65,000 Building $269,100 | $334,100 (-3.22%) Land $65,000 Building $269,100 |
| 2023 | $1,227.00 Homeowner's exemption | $110,318 | $345,200 Land $60,000 Building $285,200 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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