3829 Elk Bluff Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3829 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2023
Square Footage	1,696 sqft Heated Area
Lot Size	6,098 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$405,700 (2023)
Tax Bill	$4,825.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`312631358300011230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,696 sqft Heated Area
Gross Area	2,302 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	165 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3829 ELK BLUFF RD
City	SAINT CLOUD
State	FL
Zip	34772-7971
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DEER RUN ESTATES PH 2 PB 33 PGS 19-22 LOT 123
Legal Phase	2
Legal Lot Number	123
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records · APN 312631358300011230

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3829 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Deed Doc Number	2023148633
Deed Book / Page	6503 / 1639
Record Refreshed	Jun 08, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2023
Property Address	3829 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
Document Number	0065031639
Book / Page	6503 / 1639
Map Reference	MB 33 PG 19
Instrument Date	Nov 09, 2023
Instrument	2023148633
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,839.90
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3829 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971

Mortgage

Document Number	0065031641
Date	Nov 13, 2023
Instrument	6503/1641

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,825.00 Homeowner's exemption	$337,717	$346,500 Land $70,000 Building $276,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	About 1 in 229 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.