3827 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3827 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1992
Lot Size	0.174 acres (7,579 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2021)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0012-0001-0190`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0012-0001-0190`
Alternative APNs	`263004001200010190` `82102`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	2,183 sqft
1st Floor Area	1,392 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Architectural Style	Conventional
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	230 sqft
Porch	Florida Room
Porch Area	311 sqft
Deck Area	430 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3827 CREEK BED CIR
City	SAINT CLOUD
State	FL
Zip	34769-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 19
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK UNIT 2
Legal Tract	12
Legal Block	190
Legal Lot Number	19
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43203

Owner

Source: Osceola County records, as of November 26, 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	2 Individual Names on Record
Mailing Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Warranty Deed, Transfer · Conventional Mortgage WESTERN OHIO MORTGAGE CORP
Jul 9, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Aug 20, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Jul 9, 2021 · Amount on Record
Deed Document Number	2021154251
Deed Book / Page	6058 / 1267
Prior Transfer Date	Dec 7, 2012
Prior Transfer Doc	0043661195
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2021
Property Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409
Document Number	0060581267
Book / Page	6058 / 1267
Map Reference	MB 6 PG 165
Instrument Date	Oct 1, 2021
Instrument	2021154251
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409

Mortgage

Document Number	60581269
Date	Oct 5, 2021
Instrument	6058/1269

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2021
Property Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409
Document Number	0059990718
Book / Page	5999 / 718
Map Reference	MB 6 PG 165
Instrument Date	Jul 7, 2021
Instrument	2021107228
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1850 SE 18TH AVE # AVE403, AVE403, OCALA, FL 34471-8240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409

Mortgage

Document Number	0058240956
Date	Nov 2, 2020
Book Page	5824/956
Instrument	2020148472

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	TEMPE, AZ 85284

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Nov 1, 2046

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3827 CREEK BED CIR, SAINT CLOUD, FL 34769-1409
Document Number	0053920251
Instrument Date	Aug 20, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3827 CREEK BED CIR ST CLOUD FL 347691409, ST CLOUD, FL 34769-1409

Mortgage

Document Number	0053920251
Date	Aug 28, 2018
Book Page	005392/000251
Instrument	130475

Lender

Name	HUD-HOUSING/URBAN DEV
Address	OKLAHOMA CITY, OK 73107

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 27, 2046

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	$3,748.00 (+3.51%) Homeowner's exemption	$252,283 (+5.99%)	$315,500 (+8.2%) Land $70,000 Building $245,500
2024	$3,621.00 (+2.67%)
2023	$3,527.00 (+3.58%) Homeowner's exemption	$238,033 (+3%)	$291,600 (+26.18%) Land $60,000 Building $231,600
2022	$3,405.00 Homeowner's exemption	$231,100 Land $45,000 Building $186,100	$231,100 Land $45,000 Building $186,100

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 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

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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