Osceola County property record for 3840 Chaplain Rd, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1974 |
| Square Footage | 1,926 sqft Living Area |
| Lot Size | 88,862 sqft (2.04 acres) |
| Garage | Attached, 506 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $237,500 (2009) |
| Tax Bill | $2,178.00 (2024) |
| Primary APN | 33-26-31-4950-0001-076D |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,926 sqft Living Area |
| Gross Area | 3,004 sqft Gross Area |
| 1st Floor | 1,926 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 88,862 sqft (2.04 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 506 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 684 sqft Pool |
| Deck Area | 1,241 sqft Deck |
| Porch Area | 572 sqft Porch |
| Utility Building | 800 sqft Utility Building |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3840 CHAPLAIN RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9500 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 29 COM AT SE COR OF LOT 76, W 25 FT, N 20 FT TO POB; N 290 FT, W 310 FT, S 290 FT, E 310 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 76D |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33-26-31-4950-0001-076D
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 | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 23, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Jul 10, 2020 | Deed of Trust, Mortgage CENTERSTATE BANK NA |
| Nov 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Jun 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 16, 2009 · Amount on Record |
| Deed Sale | Dec 16, 2009 · Amount on Record |
| Deed Doc Number | 2009198983 |
| Deed Book / Page | 3927 / 1721 |
| Last Transfer Date | Dec 16, 2016 |
| Transfer Doc | 0050742436 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0063192406 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 6319/2406 |
| Instrument | 2022169921 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057521782 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 5752/1782 |
| Instrument | 2020089531 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 04, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | GOLDEN RULE TITLE LLC, GOLDEN RULE TITLE |
| Name | Verified Name |
|---|---|
| Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0060962079 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 6096/2079 |
| Instrument | 2021184420 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3840 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0062380873 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 6238/873 |
| Instrument | 2022097820 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Dec 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $2,319.00 (+6.47%) Homeowner's exemption | $156,842 (+5.99%) | $340,800 (+16.08%) Land $97,500 Building $243,300 |
| 2024 | $2,178.00 (+2.4%) | ||
| 2023 | $2,127.00 (+5.14%) Homeowner's exemption | $147,983 (+3%) | $293,600 (+18.43%) Land $82,500 Building $211,100 |
| 2022 | $2,023.00 Homeowner's exemption | $143,673 | $247,900 Land $67,500 Building $180,400 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 192 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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