Osceola County property record for 3847 Whitetail Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,537 sqft · built 2023 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $376,307 (Mar 2023) |
| Tax Bill | $4,597 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-31-3582-0001-0020 |
| Primary APN | 31-26-31-3582-0001-0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,537 sqft Living Area |
| Gross Area | 2,018 sqft |
| 1st Floor Area | 1,537 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 40 sqft |
| Heating System | HVAC |
|---|
| Street Address | 3847 WHITETAIL CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEER RUN ESTATES PB 32 PGS 107-109 LOT 2 |
| Legal Subdivision | DEER RUN ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
3847 Whitetail Ct is owned and occupied by two individuals who bought it in March 2023.
Source: Osceola County records, as of June 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3847 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 22, 2023 | Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on File |
| Deed Sale | Mar 22, 2023 · Amount on File |
| Deed Document Number | 202332418 |
| Deed Book / Page | 6374 / 1091 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2026 |
| Property Address | 3847 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0000079220 |
| Book / Page | 6989 / 220 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202679220 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PENNYMAC LOAN SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 3847 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0000079220, |
|---|---|
| Date | Jun 16, 2026 |
| Book Page | 6989/220 |
| Instrument | 202679220 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 3847 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0063741091 |
| Book / Page | 6374 / 1091 |
| Map Reference | MB 32 PG 107-109 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 2023032418 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,634.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Address | 3847 WHITETAIL CT, SAINT CLOUD, FL 34772-7979 |
| Document Number | 0063741093 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 6374/1093 |
| Name | KBHS HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 3847 Whitetail Ct was $4,597 with a homeowner's exemption.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,597.00 Homeowner's exemption | $321,253 | $329,600 Land $70,000 Building $259,600 |
| 2023 | $1,389.00 (+397.85%) | $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 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3847 Whitetail Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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 risk around 3847 Whitetail Ct is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
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