3841 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3841 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$329,100 (Feb 2021)
Tax Bill	$6,902 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0550`
Alternative APN	`263013011700010550`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	2,280 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	600 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3841 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 55
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 13-26-30-0117-0001-0550

Assessment roll updated November 26, 2025 · Last verified August 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	3841 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 04, 2021 · Amount on Record
Deed Sale	Feb 04, 2021 · Amount on Record
Deed Document Number	202116328
Deed Book / Page	5884 / 1963
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3841 GUERNSEY BND, SAINT CLOUD, FL 34772-9209
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14031 BENVOLIO CIR 204, 204, ORLANDO, FL 32824-5192

Mortgage

Document Number	0058841967
Date	Feb 04, 2021
Book Page	5884/1967
Instrument	2021016329

Lender

Name	ALLIED MORTGAGE GROUP INC
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

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

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

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	$6,902.00 (+2.46%) Homeowner's exemption	$322,040 (+5.99%)	$373,500 (+7.45%) Land $78,000 Building $295,500
2024	$6,736.00 (+1.78%)
2023	$6,618.00 (+3.31%) Homeowner's exemption	$303,850 (+3%)	$347,600 (+17.83%) Land $65,000 Building $282,600
2022	$6,406.00 Homeowner's exemption	$295,000 Land $55,000 Building $240,000	$295,000 Land $55,000 Building $240,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies, Xfinity.

Based on FCC filings for 215 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.