3838 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3838 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,113 sqft · built 1992
Lot Size	0.173 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Oct 2021)
Tax Bill	$3,251 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82110`

Property Details

APN / Parcel Number

Primary APN	`82110`
Alternative APN	`042630001200010270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,113 sqft Heated Area
Gross Area	1,877 sqft
1st Floor Area	1,113 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.173 acres)
Lot Dimensions	105 ft deep x 72 ft wide
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	204 sqft
Fence	Fence
Shed	1 Shed
Shed Area	99 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82110
Street Address	3838 CREEK BED CIR
City	SAINT CLOUD
State	FL
Zip	34769-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 27
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK
Legal Tract	12
Legal Block	1
Legal Lot Number	27
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43203

Owner

3838 Creek Bed Cir is owned and occupied by an individual who bought it in October 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 23, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG
Jan 7, 2019	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG
Jan 26, 2017	Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Apr 19, 2016 · Amount on File
Deed Document Number	2021162671
Deed Book / Page	6068 / 1249
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2021
Property Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0060681249
Book / Page	6068 / 1249
Map Reference	MB 6 PG 165
Instrument Date	Oct 18, 2021
Instrument	2021162671
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2222 VILLA VERANO WAY APT 101, 2222, KISSIMMEE, FL 34744-6374

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410

Mortgage

Document Number	60681250
Date	Oct 19, 2021
Instrument	6068/1250

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0056501664
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3838 CREEK BED CIR ST CLOUD FL 347691410, ST CLOUD, FL 34769-1410

Mortgage

Document Number	0056501664
Date	Dec 31, 2019
Book Page	005650/001664
Instrument	169722

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0054640766
Instrument Date	Jan 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3838 CREEK BED CIR ST CLOUD FL 347691410, ST CLOUD, FL 34769-1410

Mortgage

Document Number	0054640766
Date	Jan 17, 2019
Book Page	005464/000766
Instrument	6983

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2049

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3838 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0050951972
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3838 CREEK BED CIR ST CLOUD FL 347691410, ST CLOUD, FL 34769-1410

Mortgage

Document Number	0050951972
Date	Feb 1, 2017
Book Page	005095/001972
Instrument	17829

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3838 Creek Bed Cir was $3,251 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,251.00 Homeowner's exemption	$224,555	$281,900 Land $70,000 Building $211,900
2023	$3,056.00 (+3.7%) Homeowner's exemption	$211,871 (+3%)	$261,100 (+26.93%) Land $60,000 Building $201,100
2022	$2,947.00 Homeowner's exemption	$205,700 Land $45,000 Building $160,700	$205,700 Land $45,000 Building $160,700

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

Flood

FEMA maps place 3838 Creek Bed Cir in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
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 3838 Creek Bed Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

Nearby Properties on Creek Bed Cir

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