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3037 Elbib Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3037 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,215 sqft · built 2002
Lot Size0.119 acres (5,227 sqft)
Owner2 Owner Names on File
Last Sale$133,400 (Nov 2002)
Tax Bill$4 (2025)
Deeds & MortgagesMay 2022 Mortgage
Oct 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN128567

Property Details

APN / Parcel Number

Primary APN128567
Alternative APNs
  • 222630007600010190
  • 222630276700010190

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,215 sqft Heated Area
Gross Area2,859 sqft
1st Floor Area1,120 sqft
Upper Floors Area1,095 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.119 acres)
Lot Dimensions105 ft deep x 50 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Screened Porch
Porch Area224 sqft
Patio Area21 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number128567
Old Parcel Number222630276700010190
Street Address3037 ELBIB DR
CitySAINT CLOUD
StateFL
Zip34772-8591
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK ESTATES PHASE 6 PB 13 PG 124-126 LOT 19
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionCANOE CREEK ESTATES
Legal Phase6
Legal Tract76
Legal Block1
Legal Lot Number19
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43207

Owner

Source: Osceola County records · APN 128567

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 Record2 Owner Names on File
Mailing Address3037 ELBIB DR, SAINT CLOUD, FL 34772-8591
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

DateDocument
May 26, 2022Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
Oct 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 04, 2002 · Amount on Record
Deed SaleNov 04, 2002 · Amount on Record
Deed Document Number0213900812
Deed Book / Page02139 / 00812
Record UpdatedJun 08, 2026

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3037 ELBIB DR, SAINT CLOUD, FL 34772-8591
Transaction TypeMortgage
Record UpdatedJun 15, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3037 ELBIB DR, SAINT CLOUD, FL 34772-8591

Mortgage

Document Number0062212948
DateMay 26, 2022
Book Page6221/2948
Instrument2022083514
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term160 Months
DueSep 01, 2035

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3037 ELBIB DR, SAINT CLOUD, FL 34772-8591
Transaction TypeMortgage
Record UpdatedOct 29, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3037 ELBIB DR, SAINT CLOUD, FL 34772-8591

Mortgage

Document Number0060670782
DateOct 18, 2021
Book Page6067/782
Instrument2021161847
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term166 Months
DueAug 01, 2035

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 (-99.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$112,581 (+5.99%)$323,700 (-3.14%) Land $65,000 Building $258,700
2023$1,154.00 (+5%) Homeowner's exemption$106,223 (+3%)$334,200 (+16%) Land $60,000 Building $274,200
2022$1,099.00 Homeowner's exemption$103,130$288,100 Land $55,000 Building $233,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 34 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies34 in force
32 of 34 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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