Osceola County property record for 3821 Elk Bluff Rd, Saint Cloud, FL 34772
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $380,000 (Aug 2025) |
| Tax Bill | $1,653 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 312631358300011250 |
| Primary APN | 312631358300011250 |
|---|
| Lot Area | 6,098 sqft (0.139 acres) |
|---|
| Street Address | 3821 ELK BLUFF RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7971 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | DEER RUN ESTATES PH 2 PB 33 PGS 19-22 LOT 125 |
| Legal Phase | 2 |
| Legal Lot Number | 125 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3821 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2025 · Amount on Record |
| Deed Sale | Aug 26, 2025 · Amount on Record |
| Deed Document Number | 2025106834 |
| Deed Book / Page | 6840 / 2097 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 26, 2025 |
| Property Address | 3821 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Document Number | 0068402097 |
| Book / Page | 6840 / 2097 |
| Map Reference | MB 33 PG 19 |
| Instrument Date | Aug 22, 2025 |
| Instrument | 2025106834 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| 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 | 3821 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Document Number | 0068402099 |
|---|---|
| Date | Aug 26, 2025 |
| Instrument | 6840/2099 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Margin | 2 |
| Max Rate | 5.75% |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,653.00 (+92.43%) | $70,000 (+7.69%) Land $70,000 | $70,000 (+7.69%) Land $70,000 |
| 2024 | $859.00 | $65,000 Land $65,000 | $65,000 Land $65,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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: 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.
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 |
| 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.
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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