Osceola County property record for 3038 Elbib Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 1,499 sqft Heated Area |
| Lot Size | 5,619 sqft (0.128 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $330,000 (2025) |
| Tax Bill | $4,991.00 (2025) |
| Primary APN | 128601 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,499 sqft Heated Area |
| Gross Area | 2,200 sqft Gross Area |
| 1st Floor | 1,499 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,619 sqft (0.128 acres) |
| Depth X Width | 112 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 380 sqft Garage |
| Fence | Fence |
| Porch | Finished/Screened Porch |
| Porch Area | 321 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 128601 |
|---|---|
| Old Parcel Number | 222630276700010530 |
| Street Address | 3038 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 53 |
| 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 | 53 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43207 |
Source: Osceola County records · APN 128601
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 | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 15, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 15, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 30, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Nov 07, 2016 · Amount on Record |
| Deed Doc Number | 2025120324 |
| Deed Book / Page | 6856 / 575 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Document Number | 0068642203 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 6864/2203 |
| Instrument | 2025127558 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT CLOUD, FL 34772 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5608 WESTERLY BREEZE PL PI, PI, SAINT CLOUD, FL 34771-7488 |
| Document Number | 0068642186 |
|---|---|
| Date | Oct 15, 2025 |
| Book Page | 6864/2186 |
| Instrument | 2025127557 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 30, 2025 |
| Property Address | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Document Number | 0068560575 |
| Book / Page | 6856 / 575 |
| Map Reference | MB 13 PG 124 |
| Instrument Date | Sep 17, 2025 |
| Instrument | 2025120324 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | WOLFS CROSSING T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4798 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211 |
| Name | Verified Name |
|---|---|
| Address | 3038 ELBIB DR, SAINT CLOUD, FL 34772-8513 |
| Document Number | 0006856577 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 6856/577 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Number | 0068560592 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 6856/592 |
| Instrument | 2025120326 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT CLOUD, FL 34772 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
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 | $4,991.00 (+5.36%) | $287,400 (-4.45%) Land $65,000 Building $222,400 | $287,400 (-4.45%) Land $65,000 Building $222,400 |
| 2024 | $4,737.00 (+5.9%) | $300,800 (+1.69%) Land $60,000 Building $240,800 | $300,800 (+1.69%) Land $60,000 Building $240,800 |
| 2023 | $4,473.00 (+11.94%) | $295,800 (+15.77%) Land $60,000 Building $235,800 | $295,800 (+15.77%) Land $60,000 Building $235,800 |
| 2022 | $3,996.00 | $255,500 Land $55,000 Building $200,500 | $255,500 Land $55,000 Building $200,500 |
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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