Osceola County property record for 3826 Creek Bed Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,284 sqft · built 1992 |
| Lot Size | 0.174 acres (7,579 sqft) |
| Owner | Individual Name on File |
| Last Sale | $309,000 (Aug 2025) |
| Tax Bill | $1,092 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0012-0001-0240 |
| Primary APN | 04-26-30-0012-0001-0240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,284 sqft Living Area |
| Gross Area | 1,814 sqft |
| 1st Floor Area | 1,284 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,579 sqft (0.174 acres) |
| Lot Dimensions | 105 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 70 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3826 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 24 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | BLACKBERRY CREEK UNIT 2 |
| Legal Tract | 12 |
| Legal Block | 240 |
| Legal Lot Number | 24 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43203 |
3826 Creek Bed Cir is owned and occupied by an individual who bought it in August 2025.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3826 CREEK BED CIR, SAINT CLOUD, FL 34769-1408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on File |
| Deed Sale | Aug 19, 2025 · Amount on File |
| Prior Sale | Oct 5, 1999 · Amount on File |
| Deed Document Number | 2025103311 |
| Deed Book / Page | 6837 / 394 |
| Prior Transfer Date | Jul 25, 2023 |
| Prior Transfer Doc | 0064470619 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2023 |
| Property Address | 3826 CREEK BED CIR, SAINT CLOUD, FL 34769-1408 |
| Document Number | 0064470619 |
| Book / Page | 6447 / 619 |
| Map Reference | MB 6 PG 165 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 2023096937 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3826 CREEK BED CIR, SAINT CLOUD, FL 34769-1408 |
| Name | Verified Name |
|---|---|
| Address | 3826 CREEK BED CIR, SAINT CLOUD, FL 34769-1408 |
The 2025 property tax bill for 3826 Creek Bed Cir was $1,092, up 4.3% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,092.00 (+4.3%) | $103,903 | $274,500 Land $70,000 Building $204,500 |
| 2024 | $1,047.00 (+4.08%) | ||
| 2023 | $1,006.00 (+5.23%) Homeowner's exemption | $98,034 (+3%) | $253,700 (+27.17%) Land $60,000 Building $193,700 |
| 2022 | $956.00 Homeowner's exemption | $95,179 | $199,500 Land $45,000 Building $154,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3826 Creek Bed Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 3826 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.
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 |
| 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.
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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