1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Elk Bluff Rd

3808 Elk Bluff Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3808 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,320 sqft · built 2023
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$460,000 (Jun 2025)
Tax Bill$6,009 (2025)
Deeds & MortgagesJun 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN312631358200010450

Property Details

APN / Parcel Number

Primary APN312631358200010450

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,320 sqft Heated Area
Gross Area2,924 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area100 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3808 ELK BLUFF RD
CitySAINT CLOUD
StateFL
Zip34772-7970
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEER RUN ESTATES PB 32 PGS 107-109 LOT 45
Legal Lot Number45
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43205

Owner

Source: Osceola County records · APN 312631358200010450

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3808 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 05, 2025 · Amount on Record
Deed SaleJun 05, 2025 · Amount on Record
Deed Document Number2025070743
Deed Book / Page6799 / 1615
Record UpdatedJun 08, 2026

June 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 05, 2025
Property Address3808 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970
Document Number0067991615
Book / Page6799 / 1615
Map ReferenceMB 32 PG 107
Instrument DateMay 30, 2025
Instrument2025070743
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,220.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
Address3808 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970

Mortgage

Document Number0067991617
DateJun 05, 2025
Instrument6799/1617
Lender
NameBRADESCO BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2055
Interest
Rate TypeAdjustable Rate
Rate6.75%
Type Change DateJun 01, 2030
Change FrequencyAnnually
Min Rate At Change6.75%
Max Rate At Change8.75%
Max Rate12.7%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,009.00 (+682.42%)$382,300 (+595.09%) Land $70,000 Building $312,300$382,300 (+595.09%) Land $70,000 Building $312,300
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 68 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies68 in force
Nearby Flood Claims9 (1997–2020)
Claims Outside the SFHA5 of 9
Most Recent ClaimJun 2020, other causes
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskModerate
above 70% of the US · above 51% of Florida
Wildfire LikelihoodAbout 1 in 294 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 240 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Elk Bluff Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures