Osceola County property record for 3800 Guernsey Bend, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2021 |
| Square Footage | 2,879 sqft Heated Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $490,000 (2023) |
| Tax Bill | $9,453.00 (2025) |
| Primary APN | 132630011700010160 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,879 sqft Heated Area |
| Gross Area | 3,348 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Patio Area | 48 sqft Patio |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3800 GUERNSEY BND |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9210 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Tract | 117 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 132630011700010160
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 | Company Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jan 06, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jun 08, 2023 | Lease, Transfer |
| Jun 02, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 09, 2021 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2023 · Amount on Record |
| Deed Sale | Jun 02, 2023 · Amount on Record |
| Prior Sale | Apr 09, 2021 · Amount on Record |
| Deed Doc Number | 2023070795 |
| Deed Book / Page | 6417 / 2574 |
| Last Transfer Date | Jun 08, 2023 |
| Transfer Doc | 0064211011 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 380 GUERNSEY BEND, SAINT CLOUD, FL 34772 |
| Document Number | 0061232965 |
|---|---|
| Date | Jan 06, 2022 |
| Book Page | 6123/2965 |
| Instrument | 2022003434 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Lease |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 08, 2023 |
| Property Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Document Number | 0064211011 |
| Book / Page | 6421 / 1011 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Jun 06, 2023 |
| Instrument | 2023073842 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5201 WATERFORD DISTRICT DR STE 978, 978, MIAMI, FL 33126-2649 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 02, 2023 |
| Property Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Document Number | 0064172574 |
| Book / Page | 6417 / 2574 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | May 26, 2023 |
| Instrument | 2023070795 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | CORTITLE LLC, CORETITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,430.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7802 CITRUS ISLAND WAY, ORLANDO, FL 32822-8432 |
| Name | Verified Name |
|---|---|
| Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Document Number | 0064172576 |
|---|---|
| Date | Jun 02, 2023 |
| Instrument | 6417/2576 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 09, 2021 |
| Property Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Document Number | 0059320606 |
| Book / Page | 5932 / 606 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Apr 07, 2021 |
| Instrument | 2021053926 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,375.10 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 3800 GUERNSEY BND, SAINT CLOUD, FL 34772-9210 |
| Document Number | 0059320613 |
|---|---|
| Date | Apr 09, 2021 |
| Book Page | 5932/613 |
| Instrument | 2021053929 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
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 | $9,453.00 (+11.53%) | $421,500 (+3.56%) Land $78,000 Building $343,500 | $421,500 (+3.56%) Land $78,000 Building $343,500 |
| 2023 | $8,476.00 (+4.75%) Homeowner's exemption | $407,000 (+17.56%) Land $65,000 Building $342,000 | $407,000 (+17.56%) Land $65,000 Building $342,000 |
| 2022 | $8,092.00 | $346,200 Land $55,000 Building $291,200 | $346,200 Land $55,000 Building $291,200 |
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 | High above 76% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 240 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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