3846 Elk Bluff Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3846 Elk Bluff Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$393,000 (May 2025)
Tax Bill	$1,653 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`312631358200010240`

Property Details

APN / Parcel Number

Primary APN	`312631358200010240`

Exterior

Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	3846 ELK BLUFF RD
City	SAINT CLOUD
State	FL
Zip	34772-7972
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	DEER RUN ESTATES PB 32 PGS 107-109 LOT 24
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records · APN 312631358200010240

Assessment roll updated July 1, 2025 · Last verified December 2025

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	3846 ELK BLUFF RD, SAINT CLOUD, FL 34772-7972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2025 · Amount on Record
Deed Sale	May 28, 2025 · Amount on Record
Deed Document Number	2025067033
Deed Book / Page	6794 / 1754
Record Updated	Jun 08, 2026

May 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2025
Property Address	3846 ELK BLUFF RD, SAINT CLOUD, FL 34772-7972
Document Number	0067941754
Book / Page	6794 / 1754
Map Reference	MB 32 PG 107
Instrument Date	May 20, 2025
Instrument	2025067033
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,751.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3846 ELK BLUFF RD, SAINT CLOUD, FL 34772-7972

Mortgage

Document Number	0067941756
Date	May 28, 2025
Instrument	6794/1756

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,653.00 (+115.23%)	$70,000 (+27.27%) Land $70,000	$70,000 (+27.27%) Land $70,000
2023	$768.00 (+175.27%)	$55,000 (+175%) Land $55,000	$55,000 (+175%) Land $55,000
2022	$279.00	$20,000 Land $20,000	$20,000 Land $20,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 68 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force 60 of 68 on primary residences
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020, other causes
Flood Events	Hurricane Irma (Sep 2017), 2 claims Hurricane Frances (Sep 2004), 3 claims

Wildfire

Wildfire Risk	Moderate above 70% of the US · above 51% of Florida
Wildfire Likelihood	About 1 in 294 per year
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.