3812 Whitetail Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3812 Whitetail Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,148 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$441,903 (Oct 2023)
Tax Bill	$712 (2025)
Deeds & Mortgages	Feb 2026 Transfer Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-3582-0001-0390`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-3582-0001-0390`
Alternative APN	`263131358200010390`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,148 sqft Living Area
Gross Area	2,786 sqft
1st Floor Area	2,148 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	197 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3812 WHITETAIL CT
City	SAINT CLOUD
State	FL
Zip	34772-7978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER RUN ESTATES PB 32 PGS 107-109 LOT 39
Legal Subdivision	DEER RUN ESTATES
Legal Lot Number	39
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3812 WHITETAIL CT, SAINT CLOUD, FL 34772-7978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 16, 2023	Special Warranty Deed, Transfer · VA Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Deed Document Number	2023135933
Deed Book / Page	6490 / 940
Last Transfer Date	Jan 9, 2026
Transfer Doc	0069291799
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2026
Property Address	3812 WHITETAIL CT, SAINT CLOUD, FL 34772-7978
Document Number	0069291799
Book / Page	6929 / 1799
Map Reference	MB 32 PG 107-109
Instrument Date	Jan 9, 2026
Instrument	2026027022
Transaction Type	Transfer
Record Updated	Mar 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24353 SWITCHGRASS LANE, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3812 WHITETAIL CT, SAINT CLOUD, FL 34772-7978

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 16, 2023
Property Address	3812 WHITETAIL CT, SAINT CLOUD, FL 34772-7978
Document Number	0064900940
Book / Page	6490 / 940
Map Reference	MB 32 PG 107-109
Instrument Date	Oct 13, 2023
Instrument	2023135933
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$3,094.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

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	3811 WHITETAIL CT, SAINT CLOUD, FL 34772-7979

Mortgage

Document Number	0006490801
Date	Oct 16, 2023
Instrument	6490/801

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0064902042
Date	Oct 17, 2023
Book Page	6490/2042
Instrument	2023136349

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+12.84%)	$380,000 (+590.91%) Land $70,000 Building $310,000	$380,000 (+590.91%) Land $70,000 Building $310,000
2024	$631.00 (-17.84%)
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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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