3811 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3811 Guernsey Bend, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2020
Square Footage	2,535 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Garage	Finished
Last Sale	$336,300 (2021)
Tax Bill	$9,294.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`132630011700010520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,535 sqft Heated Area
Gross Area	3,270 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished Garage
Fence	Fence
Porch	Open Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3811 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9209
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 52
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	52
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 132630011700010520

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
Co-owner	Verified Secondary Owner
Mailing Address	3866 COVINGTON DR, SAINT CLOUD, FL 34772-7041
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 29, 2021 · Amount on Record
Deed Sale	Jan 29, 2021 · Amount on Record
Deed Doc Number	2021013314
Deed Book / Page	5880 / 1015
Record Refreshed	Jun 08, 2026

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2021
Property Address	3811 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Document Number	0058801015
Book / Page	5880 / 1015
Map Reference	MB 29 PG 13
Instrument Date	Jan 28, 2021
Instrument	2021013314
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,354.10
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3866 COVINGTON DR, SAINT CLOUD, FL 34772-7041

Mortgage

Document Number	0058801019
Date	Jan 29, 2021
Instrument	5880/1019

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$9,294.00 (+8.97%)	$412,600 (+7.14%) Land $78,000 Building $334,600	$412,600 (+7.14%) Land $78,000 Building $334,600
2023	$8,529.00 (+10.17%)	$385,100 (+17.84%) Land $65,000 Building $320,100	$385,100 (+17.84%) Land $65,000 Building $320,100
2022	$7,742.00	$326,800 Land $55,000 Building $271,800	$326,800 Land $55,000 Building $271,800

Flood & Wildfire

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

Flood

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 100 ft

Wildfire

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	About 1 in 276 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.