3847 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3847 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 1991
Lot Size	0.255 acres (11,107 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jun 2020)
Tax Bill	$2,482 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0012-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0012-0001-0140`
Alternative APNs	`263004001200010140` `82097`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	1,990 sqft
1st Floor Area	1,474 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	11,107 sqft (0.255 acres)
Lot Dimensions	140 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3847 CREEK BED CIR
City	SAINT CLOUD
State	FL
Zip	34769-1412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 14
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK UNIT 2
Legal Tract	12
Legal Block	140
Legal Lot Number	14
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43203

Owner

3847 Creek Bed Cir is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3847 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2020 · Amount on File
Deed Sale	Jun 17, 2020 · Amount on File
Prior Sale	Jan 19, 2005 · Amount on File
Deed Document Number	202077961
Deed Book / Page	5739 / 1398
Prior Transfer Date	Mar 22, 2014
Prior Transfer Doc	0045900232
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2020
Property Address	3847 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Document Number	0057391398
Book / Page	5739 / 1398
Map Reference	MB 6 PG 165
Instrument Date	Jun 5, 2020
Instrument	2020077961
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	A Z TEAM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	66 N VILLAGE VIEW RD, 66, TALLMADGE, OH 44278-2040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3847 CREEK BED CIR, SAINT CLOUD, FL 34769-1412

Mortgage

Document Number	57391400
Date	Jun 17, 2020
Instrument	5739/1400

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3847 Creek Bed Cir was $2,482 with a homeowner's exemption, up 3.7% 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	$2,482.00 (+3.68%) Homeowner's exemption	$181,564	$288,400 Land $70,000 Building $218,400
2024	$2,394.00 (+2.92%)
2023	$2,326.00 (+3.93%) Homeowner's exemption	$171,309 (+3%)	$266,700 (+27.12%) Land $60,000 Building $206,700
2022	$2,238.00 Homeowner's exemption	$166,320	$209,800 Land $45,000 Building $164,800

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

Flood

FEMA maps place 3847 Creek Bed Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 3847 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.

Nearby Properties on Creek Bed Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures