3812 Elk Bluff Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3812 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,983 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$440,000 (2025)
Tax Bill	$5,697.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`312631358200010460`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,983 sqft Heated Area
Gross Area	2,596 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	172 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3812 ELK BLUFF RD
City	SAINT CLOUD
State	FL
Zip	34772-7970
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DEER RUN ESTATES PB 32 PGS 107-109 LOT 46
Legal Lot Number	46
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records · APN 312631358200010460

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	3812 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970
Occupancy	Owner Occupied
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	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Deed Doc Number	2025067549
Deed Book / Page	6795 / 1144
Record Refreshed	Jun 08, 2026

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 29, 2025
Property Address	3812 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970
Document Number	0067951144
Book / Page	6795 / 1144
Map Reference	MB 32 PG 107
Instrument Date	May 27, 2025
Instrument	2025067549
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970

Mortgage

Document Number	0067951146
Date	May 29, 2025
Instrument	6795/1146

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2055

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
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,697.00 (+641.8%)	$359,800 (+554.18%) Land $70,000 Building $289,800	$359,800 (+554.18%) Land $70,000 Building $289,800
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 · 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

Wildfire

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.