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  5. Chaplain Rd

3704 Chaplain Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3704 Chaplain Rd, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1987
Square Footage2,548 sqft Living Area
Lot Size106,199 sqft (2.43 acres)
OccupancyOwner Occupied
Last Sale$589,000 (2021)
Tax Bill$4,657.00 (2024)

Property Details

APN / Parcel Number

Primary APN33-26-31-4950-0001-037D
Alternative APNs
  • 26313349500001037D
  • 99079

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,548 sqft Living Area
Gross Area3,416 sqft Gross Area
1st Floor2,548 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleConventional Style
Exterior MaterialStone Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area106,199 sqft (2.43 acres)
Depth X Width405 ft x 125 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area707 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area128 sqft Pool
Deck Area418 sqft Deck
Patio Area224 sqft Patio
Porch Area70 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3704 CHAPLAIN RD
CitySAINT CLOUD
StateFL
Zip34772-9538
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 29 BEG 60 FT N & 375 FT E OF SW COR LOT 37, CONT E 266.46 FT MOL, N 20 FT, W 141.45 FT MOL, N TO N/L LOT 21, SWLY TO PT 375 FT E OF W/L LOT 21, S TO POB
Legal Range31E
Legal Township26S
Legal Section33
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block37D
Legal Lot Number37
JurisdictionOSCEOLA FL
Minor Civil DivisionSOUTH AND EAST OSCEOLA
Census Blockgroup1
Census Block1013
Census Tract43802

Owner

Source: Osceola County records · APN 33-26-31-4950-0001-037D

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 04, 2023Deed of Trust, Mortgage · Stand Alone Second Mortgage
TRUSTCO BANK
Nov 19, 2021Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jan 20, 2017Deed of Trust, Mortgage · Commercial Mortgage
REGIONS BANK
Jan 12, 2017Warranty Deed, Transfer
TROPICAL TITLE INSURANCE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 19, 2021 · Amount on Record
Deed SaleNov 19, 2021 · Amount on Record
Prior SaleJan 12, 2017 · Amount on Record
Deed Doc Number2021180388
Deed Book / Page6091 / 124
Prior Transfer DateJun 29, 2006
Prior Transfer Doc0032070775
Record RefreshedJun 08, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
Transaction TypeMortgage
Record UpdatedMay 24, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
InvestorPossibly a Property Investor

Mortgage

Document Number0064010897
DateMay 04, 2023
Book Page6401/897
Instrument2023056346
Lender
NameTRUSTCO BANK
TypeBank
AddressLONGWOOD, FL 32750
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term239 Months
DueApr 28, 2043

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 19, 2021
Property Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
Document Number0060910124
Book / Page6091 / 124
Instrument DateNov 19, 2021
Instrument2021180388
Transaction TypeTransfer
Record UpdatedDec 08, 2021
Title CompanyADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,123.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address691 49TH AVE N, 691, SAINT PETERSBURG, FL 33703-3833

Transferred To (Grantee/Buyer)

NameVerified Name
Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
InvestorPossibly a Property Investor

Mortgage

Document Number6091126
DateNov 19, 2021
Instrument6091/126
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2051

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050882331
DateJan 20, 2017
Book Page5088/2331
Instrument2017011019
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term239 Months
DueDec 30, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

January 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 12, 2017
Property Address3704 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538
Document Number0050842372
Book / Page005084 / 002372
Instrument DateJan 06, 2017
Instrument6705
Transaction TypeTransfer
Record UpdatedJan 31, 2017
Title CompanyTROPICAL TITLE INSURANCE LLC

Transaction

AmountAmount Recorded
Tax$1,076.78
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3704 CHAPLAIN RD ST CLOUD FL 347729538, ST CLOUD, FL 34772-9538

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,880.00 (+4.79%) Homeowner's exemption$341,666 (+10.02%)$584,500 (+28.15%) Land $130,000 Building $454,500
2024$4,657.00 (+5.91%)
2023$4,397.00 (+10.01%) Homeowner's exemption$310,542 (+9%)$456,100 (+20.44%) Land $112,600 Building $343,500
2022$3,997.00 Homeowner's exemption$284,896$378,700 Land $112,600 Building $266,100

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation66.0 ft

Wildfire

Wildfire RiskHigh
above 83% of the US · above 74% of Florida
Wildfire LikelihoodAbout 1 in 157 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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