3830 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3830 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$393,000 (May 2023)
Tax Bill	$6,817 (2025)
Deeds & Mortgages	May 2023 Sale Mar 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0130`
Alternative APN	`263013011700010130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	1,552 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Florida Room
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3830 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 13
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

3830 Guernsey Bend is owned and occupied by two individuals who bought it in May 2023.

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 File
Mailing Address	11409 TAIPEI CT, COLLEGE POINT, NY 11356-1576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Mar 7, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 16, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Apr 16, 2021 · Amount on File
Deed Document Number	202363850
Deed Book / Page	6409 / 1707
Prior Transfer Date	Mar 6, 2023
Prior Transfer Doc	0063672671
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2023
Property Address	3830 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0064091707
Book / Page	6409 / 1707
Map Reference	MB 29 PG 13-24
Instrument Date	Apr 14, 2023
Instrument	2023063850
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Tax	$2,751.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1510 KINGSTON AVE, ORLANDO, FL 32807-3638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11409 TAIPEI CT, COLLEGE POINT, NY 11356-1576

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2023
Property Address	3830 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0063672671
Book / Page	6367 / 2671
Map Reference	MB 29 PG 13
Instrument Date	Mar 6, 2023
Instrument	2023026502
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3830 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1510 KINGSTON AVE, ORLANDO, FL 32807-3638

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2021
Property Address	3830 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0059371563
Book / Page	5937 / 1563
Map Reference	MB 29 PG 13
Instrument Date	Apr 12, 2021
Instrument	2021058188
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,939.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3830 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Mortgage

Document Number	0059371567
Date	Apr 16, 2021
Instrument	5937/1567

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3830 Guernsey Bend was $6,817 with a homeowner's exemption, down 9.2% from the year before.

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	$6,817.00 (-9.17%) Homeowner's exemption	$317,300 Land $78,000 Building $239,300	$317,300 Land $78,000 Building $239,300
2024	$7,505.00 (+293.14%)
2023	$1,909.00 (+3.02%) Homeowner's exemption Disabled Person's exemption	$139,807 (+8.1%)	$293,700 (+20.37%) Land $65,000 Building $228,700
2022	$1,853.00 Homeowner's exemption Disabled Person's exemption	$129,328	$244,000 Land $55,000 Building $189,000

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.

Flood

FEMA maps place 3830 Guernsey Bend 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 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
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

Wildfire risk around 3830 Guernsey Bend is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

Nearby Properties on Guernsey Bend

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures