3818 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3818 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,647 sqft · built 1992
Lot Size	0.239 acres (10,411 sqft)
Owner	Individual Name on File
Last Sale	$408,000 (Jul 2023)
Tax Bill	$6,143 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82105`

Property Details

APN / Parcel Number

Primary APN	`82105`
Alternative APN	`042630001200010220`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,647 sqft Heated Area
Gross Area	2,544 sqft
1st Floor Area	1,647 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,411 sqft (0.239 acres)
Lot Dimensions	102 ft deep x 104 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	507 sqft
Porch	Open Porch
Porch Area	437 sqft
Deck Area	290 sqft
Fence	Fence
Shed	1 Shed
Shed Area	55 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82105
Street Address	3818 CREEK BED CIR
City	SAINT CLOUD
State	FL
Zip	34769-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 22
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK
Legal Tract	12
Legal Block	1
Legal Lot Number	22
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43203

Owner

3818 Creek Bed Cir is owned and occupied by an individual who bought it in July 2023.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Warranty Deed, Transfer · FHA Mortgage PLANET HOME LENDING LLC
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Jul 2, 2021 · Amount on File
Deed Document Number	2023093852
Deed Book / Page	6443 / 2219
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2023
Property Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408
Document Number	0064432219
Book / Page	6443 / 2219
Map Reference	MB 6 PG 165
Instrument Date	Jul 12, 2023
Instrument	2023093852
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,856.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	337 NE DAHLIA TRL, PINETTA, FL 32350-2748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3918 CREEK BED CIR, SAINT CLOUD, FL 34769

Mortgage

Document Number	0064432225
Date	Jul 20, 2023
Instrument	6443/2225

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2021
Property Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408
Document Number	0059941412
Book / Page	5994 / 1412
Map Reference	MB 6 PG 165
Instrument Date	Jun 29, 2021
Instrument	2021103627
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 KINGS CREST RD, 2301, KISSIMMEE, FL 34744-6244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408

Mortgage

Document Number	59941413
Date	Jul 2, 2021
Instrument	5994/1413

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051802472
Date	Jul 18, 2017
Book Page	5180/2472
Instrument	2017104204

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2018
Property Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408
Document Number	0053101034
Book / Page	5310 / 1034
Map Reference	MB6 PG165
Instrument Date	Feb 20, 2018
Instrument	2018051716
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,576.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3154 CARPENTER LN, 3154, SAINT CLOUD, FL 34769-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3818 CREEK BED CIR, SAINT CLOUD, FL 34769-1408

Mortgage

Document Number	2018051717
Date	Apr 3, 2018
Instrument	2018051717

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3818 Creek Bed Cir was $6,143.

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,143.00	$343,000 Land $70,000 Building $273,000	$343,000 Land $70,000 Building $273,000
2023	$3,863.00 (+3.54%) Homeowner's exemption	$256,676 (+3%)	$312,500 (+25.4%) Land $60,000 Building $252,500
2022	$3,731.00 Homeowner's exemption	$249,200 Land $45,000 Building $204,200	$249,200 Land $45,000 Building $204,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3818 Creek Bed Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 3818 Creek Bed Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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