3820 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3820 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,573 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Company Names on Record
Last Sale	$346,300 (Apr 2021)
Tax Bill	$8,183 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0140`
Alternative APN	`263013011700010140`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,573 sqft Living Area
Gross Area	3,049 sqft
1st Floor Area	1,079 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	L-Shape
Exterior Material	Combination
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
Patio Area	48 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3820 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 14
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Owner Type	Company
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Apr 15, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANCO DO BRASIL AMERICAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Deed Document Number	202157275
Deed Book / Page	5936 / 1578
Last Transfer Date	Oct 21, 2025
Transfer Doc	0068791533
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2025
Property Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0068791533
Book / Page	6879 / 1533
Map Reference	MB 29 PG 13
Instrument Date	Oct 21, 2025
Instrument	2025139942
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	EXPERTS TITLE TEAM LLC, THE EXPERTS TITLE TEAM LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Mortgage

Document Number	0068791535
Date	Nov 13, 2025
Instrument	6879/1535

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2021
Property Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0059361578
Book / Page	5936 / 1578
Map Reference	MB 29 PG 13
Instrument Date	Apr 12, 2021
Instrument	2021057275
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,424.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Mortgage

Document Number	0059361582
Date	Apr 15, 2021
Instrument	5936/1582

Lender

Name	BANCO DO BRASIL AMERICAS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$8,183.00 (+0.93%)	$393,600 (+7.13%) Land $78,000 Building $315,600	$393,600 (+7.13%) Land $78,000 Building $315,600
2024	$8,108.00 (-1.49%)
2023	$8,231.00 (+11.67%)	$367,400 (+19.99%) Land $65,000 Building $302,400	$367,400 (+19.99%) Land $65,000 Building $302,400
2022	$7,371.00	$306,200 Land $55,000 Building $251,200	$306,200 Land $55,000 Building $251,200

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
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

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

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.4% 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	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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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