Osceola County property record for 3738 Chaplain Rd, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,858 sqft Living Area |
| Lot Size | 44,431 sqft (1.02 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $750,000 (2025) |
| Tax Bill | $7,229.00 (2025) |
| Primary APN | 33-26-31-4950-0001-044D |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,858 sqft Living Area |
| Gross Area | 3,981 sqft Gross Area |
| 1st Floor | 2,858 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 44,431 sqft (1.02 acres) |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3738 CHAPLAIN RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9538 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 29 COM AT SE COR OF LOT 44, W 25 FT, N 20 FT TO POB; CONT N 145 FT, W 310 FT, S 145 FT, E 310 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 44D |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33-26-31-4950-0001-044D
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jun 04, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK |
| Aug 31, 2023 | Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK |
| Mar 28, 2022 | Deed of Trust, Mortgage · Building or Construction Mortgage CENTENNIAL BANK |
| Mar 10, 2021 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2025 · Amount on Record |
| Deed Sale | May 29, 2025 · Amount on Record |
| Prior Sale | Mar 10, 2021 · Amount on Record |
| Deed Doc Number | 202567217 |
| Deed Book / Page | 6794 / 2650 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 04, 2026 |
| Property Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0000073708 |
| Book / Page | 6982 / 2784 |
| Instrument Date | May 15, 2026 |
| Instrument | 202673708 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0000073708, |
|---|---|
| Date | Jun 04, 2026 |
| Book Page | 6982/2784 |
| Instrument | 202673708 |
| Name | SOUTH STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 20, 2031 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0064670458 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 6467/458 |
| Instrument | 2023114948 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34741 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 18, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 9284 RANDAL PARK BLVD, ORLANDO, FL 32832-4945 |
| Document Number | 0061810360 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 6181/360 |
| Instrument | 2022049035 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 10, 2021 |
| Property Address | 3738 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0059090111 |
| Book / Page | 5909 / 111 |
| Instrument Date | Mar 09, 2021 |
| Instrument | 2021035669 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 KINGS HWY N, CHERRY HILL, NJ 08034-1917 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1237 LAKE BALDWIN LN UNIT 102, 102, ORLANDO, FL 32814-6808 |
| Document Number | 0059090113 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 5909/0113 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Max Rate | 8.37% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,229.00 (+8.63%) | $511,261 (+8.27%) | $606,700 (+28.48%) Land $83,600 Building $523,100 |
| 2023 | $6,655.00 (+958.03%) Homeowner's exemption | $472,200 (+949.33%) Land $55,000 Building $417,200 | $472,200 (+949.33%) Land $55,000 Building $417,200 |
| 2022 | $629.00 | $45,000 Land $45,000 | $45,000 Land $45,000 |
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 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 | 66.0 ft |
| Wildfire Risk | High above 79% of the US · above 68% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 182 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.
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