Osceola County property record for 3837 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,696 sqft · built 2023 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $408,268 (Oct 2023) |
| Tax Bill | $4,828 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-31-3583-0001-1210 |
| Primary APN | 31-26-31-3583-0001-1210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,696 sqft Living Area |
| Gross Area | 2,317 sqft Gross Area |
| 1st Floor Area | 1,696 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft Garage |
| Porch | Finished/Open Porch |
| Porch Area | 180 sqft Porch |
| Heating System | HVAC |
|---|
| Street Address | 3837 ELK BLUFF RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER RUN ESTATES PH 2 PB 33 PGS 19-22 LOT 121 |
| Legal Subdivision | DEER RUN ESTATES PHASE 2 |
| Legal Lot Number | 121 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 31-26-31-3583-0001-1210
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3837 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 25, 2023 · Amount on Record |
| Deed Sale | Oct 25, 2023 · Amount on Record |
| Deed Document Number | 2023140623 |
| Deed Book / Page | 6495 / 435 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 25, 2023 |
| Property Address | 3837 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Document Number | 0064950435 |
| Book / Page | 6495 / 435 |
| Map Reference | MB 33 PG 19 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 2023140623 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,858.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3837 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971 |
| Document Number | 0006495437 |
|---|---|
| Date | Oct 25, 2023 |
| Instrument | 6495/437 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,828.00 | $337,923 | $346,700 Land $70,000 Building $276,700 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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