3842 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3842 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1991
Lot Size	0.211 acres (9,191 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Nov 2020)
Tax Bill	$4,781 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0012-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0012-0001-0280`
Alternative APNs	`263004001200010280` `82111`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,458 sqft Living Area
Gross Area	2,294 sqft
1st Floor Area	1,458 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,191 sqft (0.211 acres)
Lot Dimensions	105 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3842 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 28
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK UNIT 2
Legal Tract	12
Legal Block	280
Legal Lot Number	28
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43203

Owner

3842 Creek Bed Cir is owned and occupied by two individuals who bought it in November 2020.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3842 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
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Apr 25, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on File
Deed Sale	Nov 17, 2020 · Amount on File
Deed Document Number	2020156964
Deed Book / Page	5834 / 547
Prior Transfer Date	Jul 22, 2009
Prior Transfer Doc	0038800082
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3842 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059050547
Date	Mar 5, 2021
Book Page	5905/547
Instrument	2021032705

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3842 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061491390
Date	Feb 14, 2022
Book Page	6149/1390
Instrument	2022023936

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	313 Months
Due	Mar 1, 2048

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2020
Property Address	3842 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0058340547
Book / Page	5834 / 547
Map Reference	MB 6 PG 165
Instrument Date	Nov 13, 2020
Instrument	2020156964
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3842 CREEK BED CIR, 3842, SAINT CLOUD, FL 34769-1410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3842 CREEK BED CIR, SAINT CLOUD, FL 34769-1410

Mortgage

Document Number	0058340549
Date	Nov 17, 2020
Book Page	5834/549
Instrument	2020156965

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3842 CREEK BED CIR, SAINT CLOUD, FL 34769-1410
Document Number	0057160904
Instrument Date	Apr 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3842 CREEK BED CIR ST CLOUD FL 347691410, ST CLOUD, FL 34769-1410

Mortgage

Document Number	0057160904
Date	Apr 30, 2020
Book Page	005716/000904
Instrument	59087

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3842 Creek Bed Cir was $4,781, up 8.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,781.00 (+8.36%)	$291,600 Land $70,000 Building $221,600	$291,600 Land $70,000 Building $221,600
2024	$4,412.00 (+7.22%)
2023	$4,115.00 (+15.52%)	$268,300 (+27.16%) Land $60,000 Building $208,300	$268,300 (+27.16%) Land $60,000 Building $208,300
2022	$3,562.00	$211,000 Land $45,000 Building $166,000	$211,000 Land $45,000 Building $166,000

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

Flood

FEMA maps place 3842 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 3842 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.

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