3831 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3831 Guernsey Bend, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,165 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$350,100 (Jan 2021)
Tax Bill	$5,550 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0540`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0540`
Alternative APN	`263013011700010540`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,165 sqft Living Area
Gross Area	3,800 sqft
1st Floor Area	1,415 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	600 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3831 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 54
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	54
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 13-26-30-0117-0001-0540

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 04, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 06, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 06, 2021 · Amount on Record
Deed Sale	Jan 06, 2021 · Amount on Record
Deed Document Number	20211427
Deed Book / Page	5865 / 845
Last Transfer Date	Jan 27, 2022
Transfer Doc	0061431794
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209

Mortgage

Document Number	0063431094
Date	Jan 11, 2023
Book Page	6343/1094
Instrument	2023004262

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 04, 2022
Property Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Document Number	0061431794
Book / Page	6143 / 1794
Map Reference	MB 29 PG 13
Instrument Date	Jan 29, 2022
Instrument	2022018925
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209

Mortgage

Document Number	0061431799
Date	Feb 04, 2022
Instrument	6143/1799

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 06, 2021
Property Address	3831 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Document Number	0058650845
Book / Page	5865 / 845
Map Reference	MB 29 PG 13
Instrument Date	Dec 31, 2020
Instrument	2021001427
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.70
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
Address	3831 GUERNSEY BEND, SAINT CLOUD, FL 34772-9209

Mortgage

Document Number	0005865849
Date	Jan 06, 2021
Instrument	5865/849

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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	$5,550.00 (+2.29%) Homeowner's exemption	$246,522 (+5.99%)	$444,200 (+6.96%) Land $78,000 Building $366,200
2024	$5,426.00 (+1.71%)
2023	$5,335.00 (+3.41%) Homeowner's exemption	$232,598 (+3%)	$415,300 (+17.82%) Land $65,000 Building $350,300
2022	$5,159.00 Homeowner's exemption	$225,824	$352,500 Land $55,000 Building $297,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	About 1 in 240 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum, Lumen Technologies, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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