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3841 Elk Bluff Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3841 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2023
Square Footage1,537 sqft Living Area
Lot Size6,969 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$386,734 (2024)
Tax Bill$3,283.00 (2025)

Property Details

APN / Parcel Number

Primary APN31-26-31-3583-0001-1200
Alternative APN
  • 263131358300011200

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,537 sqft Living Area
Gross Area2,118 sqft Gross Area
1st Floor1,537 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,969 sqft (0.16 acres)
Garage TypeAttached Garage
Garage Area441 sqft Garage
Porch Area140 sqft Porch

Utilities and HVAC

Heating SystemHVAC Heating

Location & Zoning

Street Address3841 ELK BLUFF RD
CitySAINT CLOUD
StateFL
Zip34772-7971
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDEER RUN ESTATES PH 2 PB 33 PGS 19-22 LOT 120
Legal SubdivisionDEER RUN ESTATES PHASE 2
Legal Lot Number120
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1000
Census Tract43205

Owner

Source: Osceola County records · APN 31-26-31-3583-0001-1200

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 Record2 Individual Names on File
Mailing Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CROSSCOUNTRY MORTGAGE
Jun 29, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
ROCKET MORTGAGE LLC
Jan 22, 2024Special Warranty Deed, Transfer · Veterans Administration Mortgage
JMAC LENDING INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 22, 2024 · Amount on Record
Deed SaleJan 22, 2024 · Amount on Record
Deed Doc Number20248582
Deed Book / Page6537 / 853
Record RefreshedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 14, 2026
Property Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
Document Number0000049714
Book / Page6955 / 1342
Instrument DateMar 23, 2026
Instrument202649714
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants, 205
Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971

Mortgage

Document Number0000049714,
DateApr 14, 2026
Book Page6955/1342
Instrument202649714
Lender
NameCROSSCOUNTRY MORTGAGE
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.01%
Max Rate-1%

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 29, 2026
Property Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
Document Number0000084397
Book / Page6994 / 2455
Instrument DateMar 07, 2025
Instrument202684397
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971

Mortgage

Document Number0000084397,
DateJun 29, 2026
Book Page6994/2455
Instrument202684397
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term346 Months
DueApr 01, 2055
Interest
Rate6.89%
Max Rate-1%

January 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 22, 2024
Property Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971
Document Number0065370853
Book / Page6537 / 853
Map ReferenceMB 33 PG 19
Instrument DateJan 10, 2023
Instrument2024008582
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,707.60
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address3841 ELK BLUFF RD, SAINT CLOUD, FL 34772-7971

Mortgage

Document Number0006537855
DateJan 22, 2024
Instrument6537/855
Lender
NameJMAC LENDING INC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,283.00 (-33.68%)$231,398 (+320.72%)$330,400 (+500.73%) Land $70,000 Building $260,400
2024$4,950.00 (+544.53%)
2023$768.00$55,000 Land $55,000$55,000 Land $55,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 74% of the US · above 60% of Florida
Wildfire LikelihoodAbout 1 in 229 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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