Osceola County property record for 3816 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,696 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,535 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2025 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 312631358200010470 |
| Primary APN | 312631358200010470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,696 sqft Heated Area |
| Gross Area | 2,344 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 165 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3816 ELK BLUFF RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7970 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER RUN ESTATES PB 32 PGS 107-109 LOT 47 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 312631358200010470
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 | Company Name on File |
|---|---|
| Mailing Address | 9201 SOUTHPARK CENTER LOOP # 100, 100, ORLANDO, FL 32819-8605 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 05, 2025 | Deed of Trust, Mortgage · FHA Mortgage KBHS HOME LOANS LLC |
| Nov 05, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3816 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5010 WINDBOURNE WAY, SAINT CLOUD, FL 34772-6864 |
| Document Number | 0068760954 |
|---|---|
| Date | Nov 05, 2025 |
| Book Page | 6876/954 |
| Instrument | 2025137223 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75039 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3816 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3816 ELK BLUFF RD, SAINT CLOUD, FL 34772-7970 |
| Document Number | 0068760974 |
|---|---|
| Date | Nov 05, 2025 |
| Book Page | 6876/974 |
| Instrument | 2025137224 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|---|
| Type | Government Agency |
| Address | TALLAHASSEE, FL 32301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 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 | $5,535.00 (+620.7%) | $348,100 (+532.91%) Land $70,000 Building $278,100 | $348,100 (+532.91%) Land $70,000 Building $278,100 |
| 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 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures