3830 Chaplain Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3830 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1975
Square Footage	1,685 sqft Heated Area
Lot Size	43,560 sqft (1 acres)
Garage	Finished, 621 sqft
Occupancy	Owner Occupied
Last Sale	$165,000 (2003)
Tax Bill	$1,815.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`33263149500001076A`
Alternative APN	`99145`

Interior

Full Baths	2 Baths
Building Area	1,685 sqft Heated Area
Gross Area	2,802 sqft Gross Area
1st Floor	1,685 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1975
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	43,560 sqft (1 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	621 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Deck Area	470 sqft Deck
Porch	Open Porch
Porch Area	496 sqft Porch
Utility Building	320 sqft Utility Building

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	99145
Street Address	3830 CHAPLAIN RD
City	SAINT CLOUD
State	FL
Zip	34772-9500
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 29 COM AT NE COR OF LOT 76, W 25 FT TO POB; W 617.13 FT, S 165 FT, E 307.21 FT, N 145 FT, E 310 FT, N 20 FT
Legal Range	31E
Legal Township	26S
Legal Section	33
Legal Subdivision	S L I C SOUTH ALLIGATOR LAKE AREA
Legal Tract	4950
Legal Block	1
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1015
Census Tract	43802

Owner

Source: Osceola County records · APN 33263149500001076A

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	2 Owner Names on File
Mailing Address	3830 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2003 · Amount on Record
Deed Sale	Mar 03, 2003 · Amount on Record
Prior Sale	Oct 25, 1995 · Amount on Record
Deed Doc Number	0220301110
Deed Book / Page	02203 / 01110
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3830 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058181990
Date	Oct 23, 2020
Book Page	5818/1990
Instrument	2020143821

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

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	$1,815.00 (+10.13%) Homeowner's exemption	$120,465 (+5.99%)	$315,600 (+33.39%) Land $105,800 Building $209,800
2023	$1,648.00 (+5.84%) Homeowner's exemption	$113,661 (+3%)	$236,600 (+18.66%) Land $55,000 Building $181,600
2022	$1,557.00 Homeowner's exemption	$110,351	$199,400 Land $45,000 Building $154,400

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	66.0 ft

Wildfire

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	About 1 in 192 per year
Exposure	Direct burnable vegetation at the parcel

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