3796 Whitetail Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3796 Whitetail Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,320 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$470,958 (Jul 2023)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-3582-0001-0350`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-3582-0001-0350`
Alternative APN	`263131358200010350`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	984 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3796 WHITETAIL CT
City	SAINT CLOUD
State	FL
Zip	34772-7978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER RUN ESTATES PB 32 PGS 107-109 LOT 35
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records · APN 31-26-31-3582-0001-0350

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	3796 WHITETAIL CT, SAINT CLOUD, FL 34772-7978
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 2023 · Amount on Record
Deed Sale	Jul 18, 2023 · Amount on Record
Deed Document Number	202392519
Deed Book / Page	6442 / 472
Record Updated	Sep 20, 2026

July 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2023
Property Address	3796 WHITETAIL CT, SAINT CLOUD, FL 34772-7978
Document Number	0064420472
Book / Page	6442 / 472
Map Reference	MB 32 PG 107-109
Instrument Date	Jul 14, 2023
Instrument	2023092519
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,297.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3796 WHITETAIL CT, SAINT CLOUD, FL 34772-7978

Mortgage

Document Number	0006442474
Date	Jul 18, 2023
Instrument	6442/474

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$5,603.00 (+303.38%)	$393,900 (+616.18%) Land $70,000 Building $323,900	$393,900 (+616.18%) Land $70,000 Building $323,900
2023	$1,389.00 (+397.85%)	$55,000 (+175%) Land $55,000	$55,000 (+175%) Land $55,000
2022	$279.00	$20,000 Land $20,000	$20,000 Land $20,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

Based on FCC filings for 240 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3494429, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.