3855 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3855 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	0.187 acres (8,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,000 (Jun 2020)
Tax Bill	$2,748 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`82095`

Property Details

APN / Parcel Number

Primary APN	`82095`
Alternative APN	`042630001200010120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,458 sqft Heated Area
Gross Area	2,358 sqft
1st Floor Area	1,458 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,189 sqft (0.187 acres)
Lot Dimensions	107 ft deep x 77 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82095
Street Address	3855 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 12
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK
Legal Tract	12
Legal Block	1
Legal Lot Number	12
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43203

Owner

Source: Osceola County records, as of December 11, 2025

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 Record
Co-owner	Co-owner on Record
Mailing Address	3855 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jan 6, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Prior Sale	Jan 19, 2011 · Amount on Record
Deed Document Number	0056441730
Deed Book / Page	5653 / 0325
Prior Transfer Date	Jan 6, 2020
Prior Transfer Doc	2020002024
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3855 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057441731
Date	Jun 26, 2020
Book Page	5744/1731
Instrument	2020082653

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2020
Property Address	3855 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Document Number	0056530325
Book / Page	005653 / 000325
Instrument Date	Aug 22, 2019
Instrument	2024
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$307.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 1116 KOTZEBUE AK 997521116, KOTZEBUE, AK 99752-1116

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,748.00 (+6.59%) Homeowner's exemption	$196,435 (+5.99%)	$291,400 (+8.13%) Land $70,000 Building $221,400
2023	$2,578.00 (+3.83%) Homeowner's exemption	$185,339 (+3%)	$269,500 (+27.06%) Land $60,000 Building $209,500
2022	$2,483.00 Homeowner's exemption	$179,941	$212,100 Land $45,000 Building $167,100

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

Flood

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 Record 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

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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