Osceola County property record for 3850 Chaplain Rd, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,955 sqft Living Area |
| Lot Size | 56,192 sqft (1.29 acres) |
| Garage | Attached, 562 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $5,616.00 (2024) |
| Primary APN | 33-26-31-4950-0001-076B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,955 sqft Living Area |
| Gross Area | 2,965 sqft Gross Area |
| 1st Floor | 1,955 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 56,192 sqft (1.29 acres) |
| Garage Type | Attached Garage |
| Garage Area | 562 sqft Garage |
| Heating System | HVAC Heating |
|---|
| Street Address | 3850 CHAPLAIN RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9500 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 29 COM AT SE COR OF LOT 76, W 25 FT TO POB; W 617.29 FT, N 165 FT, E 307.21 FT, S 145 FT, E 310 FT, S 20 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 76B |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33-26-31-4950-0001-076B
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 | 3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Jan 13, 2023 | Warranty Deed, Construction Loan · Building or Construction Mortgage GATEWAY FIRST BANK |
| May 27, 2022 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2023 |
| Deed Sale | Jan 12, 2023 |
| Prior Sale | May 27, 2022 · Amount on Record |
| Deed Doc Number | 20235471 |
| Deed Book / Page | 6344 / 1759 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3850 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583 |
| Document Number | 0064311823 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 6431/1823 |
| Instrument | 2023083078 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 13, 2023 |
| Property Address | 3850 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0063441759 |
| Book / Page | 6344 / 1759 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 2023005471 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 22, 2024 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Tax | $875.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 E 13TH ST, SAINT CLOUD, FL 34769-4749 |
| Name | Verified Name |
|---|---|
| Address | 3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583 |
| Document Number | 0063441760 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 6344/1760 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 12, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 27, 2022 |
| Property Address | 3850 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0062222068 |
| Book / Page | 6222 / 2068 |
| Instrument Date | May 20, 2022 |
| Instrument | 2022084155 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Tax | $462.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18983 VANDERHAVEN LN, LIVONIA, MI 48152-1418 |
| Name | Verified Name |
|---|---|
| Address | 107 E 13TH ST, SAINT CLOUD, FL 34769-4749 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,870.00 (+4.52%) Homeowner's exemption | $413,122 (+651.13%) | $484,300 (+780.55%) Land $100,500 Building $383,800 |
| 2024 | $5,616.00 (+304.32%) | ||
| 2023 | $1,389.00 (+210.04%) | $55,000 (+22.22%) Land $55,000 | $55,000 (+22.22%) Land $55,000 |
| 2022 | $448.00 | $45,000 Land $45,000 | $45,000 Land $45,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 192 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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