Osceola County property record for 3839 Creek Bed Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 1992 |
| Lot Size | 0.173 acres (7,579 sqft) |
| Owner | Owner Name on File |
| Last Sale | $140,000 (Jul 2001) |
| Tax Bill | $1,677 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82099 |
| Primary APN | 82099 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,673 sqft Heated Area |
| Gross Area | 2,652 sqft |
| 1st Floor Area | 1,673 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| 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 | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 495 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 429 sqft |
| Deck Area | 408 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82099 |
|---|---|
| Street Address | 3839 CREEK BED CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | BLACKBERRY CREEK |
| Legal Tract | 12 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43203 |
The current owner of 3839 Creek Bed Cir bought it in July 2001.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 3839 CREEK BED CIR, SAINT CLOUD, FL 34769-1412 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2001 · Amount on File |
| Deed Sale | Jul 12, 2001 · Amount on File |
| Prior Sale | Feb 18, 1999 · Amount on File |
| Deed Document Number | 0190001724 |
| Deed Book / Page | 01900 / 01724 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3839 Creek Bed Cir was $1,677 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,677.00 Homeowner's exemption | $136,582 | $339,400 Land $70,000 Building $269,400 |
| 2023 | $1,561.00 (+4.41%) Homeowner's exemption | $128,867 (+3%) | $313,800 (+25.37%) Land $60,000 Building $253,800 |
| 2022 | $1,495.00 Homeowner's exemption | $125,114 | $250,300 Land $45,000 Building $205,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3839 Creek Bed Cir 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 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 risk around 3839 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.
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 |
| 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.
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.
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