Osceola County property record for 3815 Whitetail Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,332 sqft · built 2023 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,348 (Mar 2023) |
| Tax Bill | $4,741 (2025) |
| Deeds & Mortgages | Mar 2025 Line of Credit Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 312631358200010100 |
| Primary APN | 312631358200010100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,332 sqft Heated Area |
| Gross Area | 2,937 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.319 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 55 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3815 WHITETAIL CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER RUN ESTATES PB 32 PGS 107-109 LOT 10 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 312631358200010100
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 | 3815 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2025 | Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC |
| Mar 08, 2023 | Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 08, 2023 · Amount on Record |
| Deed Sale | Mar 08, 2023 · Amount on Record |
| Deed Document Number | 2023027422 |
| Deed Book / Page | 6368 / 1785 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3815 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3815 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0067521178 |
|---|---|
| Date | Mar 11, 2025 |
| Book Page | 6752/1178 |
| Instrument | 2025030139 |
| Name | WEST CAPITAL LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 25, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 08, 2023 |
| Property Address | 3815 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0063681785 |
| Book / Page | 6368 / 1785 |
| Map Reference | MB 32 PG 107-109 |
| Instrument Date | Feb 28, 2023 |
| Instrument | 2023027422 |
| 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 | $3,145.80 |
| 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 | 3815 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0063681787 |
|---|---|
| Date | Mar 08, 2023 |
| Instrument | 6368/1787 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2053 |
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 | $4,741.00 (+241.32%) Homeowner's exemption | $331,657 (+503.01%) | $395,300 (+618.73%) Land $70,000 Building $325,300 |
| 2023 | $1,389.00 (+397.85%) | $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 as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
Based on FCC filings for 240 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures