Osceola County property record for 3801 Guernsey Bend, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,439 sqft · built 2020 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $94,767 (Sep 2021) |
| Tax Bill | $6,543 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0117-0001-0510 |
| Primary APN | 13-26-30-0117-0001-0510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,439 sqft Living Area |
| Gross Area | 3,148 sqft |
| 1st Floor Area | 2,439 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 651 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 308 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3801 GUERNSEY BND |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 51 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Lot Number | 51 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records, as of November 26, 2025
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 Record |
|---|---|
| Mailing Address | 3801 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 23, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Dec 28, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2021 · Amount on Record |
| Deed Sale | Sep 23, 2021 · Amount on Record |
| Prior Sale | Dec 28, 2020 · Amount on Record |
| Deed Document Number | 2021147437 |
| Deed Book / Page | 6049 / 2065 |
| Prior Transfer Date | Sep 14, 2021 |
| Prior Transfer Doc | 0060492065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 23, 2021 |
| Property Address | 3801 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Document Number | 0060492065 |
| Book / Page | 6049 / 2065 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021147437 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $663.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3801 GUEMSEY BND, SAINT CLOUD, FL 34772 |
| Document Number | 0060492069 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | 6049/2069 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 28, 2020 |
| Property Address | 3801 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Document Number | 0058582094 |
| Book / Page | 005858 / 002094 |
| Instrument Date | Nov 27, 2020 |
| Instrument | 175413 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 11, 2021 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,263.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3801 GUERNSEY BND ST CLOUD FL 34772, ST CLOUD, FL 34772 |
| Document Number | 58582098 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 005858/002098 |
| Instrument | 175414 |
| Name | EAGLE HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2050 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,543.00 (+2.41%) Homeowner's exemption | $302,005 (-2.67%) | $404,600 (-1.44%) Land $78,000 Building $326,600 |
| 2024 | $6,389.00 (+1.77%) | ||
| 2023 | $6,278.00 (-3.7%) Homeowner's exemption | $310,301 (+3%) | $410,500 (+17.59%) Land $65,000 Building $345,500 |
| 2022 | $6,519.00 Homeowner's exemption | $301,264 | $349,100 Land $55,000 Building $294,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 133 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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