Osceola County property record for 3804 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,385 sqft · built 2023 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (May 2025) |
| Tax Bill | $5,059 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 312631358200010440 |
| Primary APN | 312631358200010440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,385 sqft Heated Area |
| Gross Area | 1,945 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3804 ELK BLUFF RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER RUN ESTATES PB 32 PGS 107-109 LOT 44 |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 312631358200010440
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 | Individual Name on File |
|---|---|
| Mailing Address | 3804 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2025 · Amount on Record |
| Deed Sale | May 02, 2025 · Amount on Record |
| Deed Document Number | 2025055829 |
| Deed Book / Page | 6781 / 2209 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 02, 2025 |
| Property Address | 3804 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Document Number | 0067812209 |
| Book / Page | 6781 / 2209 |
| Map Reference | MB 32 PG 107 |
| Instrument Date | Apr 29, 2025 |
| Instrument | 2025055829 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Address | 3804 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Document Number | 0067812211 |
|---|---|
| Date | May 02, 2025 |
| Instrument | 6781/2211 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2055 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $5,059.00 (+558.72%) | $313,700 (+470.36%) Land $70,000 Building $243,700 | $313,700 (+470.36%) Land $70,000 Building $243,700 |
| 2023 | $768.00 (+175.27%) | $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 |
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 |
| Wildfire Risk | Moderate above 70% of the US · above 51% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 294 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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