Osceola County property record for 3754 Chaplain Rd, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 3,405 sqft Living Area |
| Lot Size | 43,995 sqft (1.01 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $96,000 (2020) |
| Tax Bill | $8,943.00 (2025) |
| Primary APN | 33-26-31-4950-0001-053C |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,405 sqft Living Area |
| Gross Area | 5,249 sqft Gross Area |
| 1st Floor | 2,990 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Combination Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,995 sqft (1.01 acres) |
| Garage Type | Attached Garage |
| Garage Area | 854 sqft Garage |
| Heating System | Central Heating |
|---|
| Street Address | 3754 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 53, W 25 FT, N 165 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 | 53C |
| Legal Lot Number | 53 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33-26-31-4950-0001-053C
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 | 3754 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK |
| Jul 15, 2019 | Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Jul 15, 2019 · Amount on Record |
| Deed Doc Number | 2020173994 |
| Deed Book / Page | 5856 / 1567 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3754 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1009 MEGAN LYNN CT, SAINT CLOUD, FL 34772-7700 |
| Document Number | 0060310696 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 6031/696 |
| Instrument | 2021133289 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Sep 01, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 3754 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0058561567 |
| Book / Page | 5856 / 1567 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2020173994 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $672.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9110 ATLAS DR, 9110, SAINT CLOUD, FL 34773-9499 |
| Name | Verified Name |
|---|---|
| Address | 1009 MEGAN LYNN CT, SAINT CLOUD, FL 34772-7700 |
| Document Number | 0058561568 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 5856/1568 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 15, 2019 |
| Property Address | 3754 CHAPLAIN RD, SAINT CLOUD, FL 34772-9538 |
| Document Number | 0055562142 |
| Book / Page | 5556 / 2142 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 2019090425 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $490.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 SAINT ANDREWS DR, 13, LAUREL SPRINGS, NJ 08021-4853 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 9110 ATLAS DR, SAINT CLOUD, FL 34773-9499 |
| Document Number | 0055562143 |
|---|---|
| Date | Jul 15, 2019 |
| Instrument | 5556/2143 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 30, 2029 |
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 | $8,943.00 (+565.9%) Homeowner's exemption | $634,945 (+1,054.45%) | $719,400 (+1,208%) Land $72,000 Building $647,400 |
| 2023 | $1,343.00 (+113.51%) | $55,000 (+22.22%) Land $55,000 | $55,000 (+22.22%) Land $55,000 |
| 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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