Osceola County property record for 3860 Chaplain Rd, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2023 |
| Square Footage | 1,713 sqft Living Area |
| Lot Size | 56,192 sqft (1.29 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $400,000 (2025) |
| Tax Bill | $5,475.00 (2025) |
| Primary APN | 33-26-31-4950-0001-085A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,713 sqft Living Area |
| Gross Area | 2,658 sqft Gross Area |
| 1st Floor | 1,713 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 | 533 sqft Garage |
| Heating System | HVAC Heating |
|---|
| Street Address | 3860 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 NE COR OF LOT 85, W 25 FT TO POB; W 617.29 FT, S 165 FT, E 307.37 FT, N 145 FT, E 310 FT, N 20 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 85 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33-26-31-4950-0001-085A
Assessment roll updated November 26, 2025 · Last verified July 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 | 3860 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 02, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| Feb 07, 2020 | Warranty Deed, Transfer FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO |
| Mar 06, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 24, 2025 · Amount on Record |
| Deed Sale | Feb 24, 2025 · Amount on Record |
| Prior Sale | May 02, 2022 · Amount on Record |
| Deed Doc Number | 202523123 |
| Deed Book / Page | 6744 / 919 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 02, 2022 |
| Property Address | 3860 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0062051935 |
| Book / Page | 6205 / 1935 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022069554 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TANDE OF OSCE |
| 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 | 610 E 13TH ST, SAINT CLOUD, FL 34769-4711 |
| Document Number | 0062051937 |
|---|---|
| Date | May 02, 2022 |
| Instrument | 6205/1937 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Apr 29, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 07, 2020 |
| Property Address | 3860 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0056710533 |
| Book / Page | 005671 / 000533 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 19636 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2020 |
| Title Company | FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,625.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 107 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 06, 2018 |
| Property Address | 3860 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0052962929 |
| Book / Page | 005296 / 002929 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 38010 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4024 SHORECREST DR ORLANDO FL 328042225, ORLANDO, FL 32804-2225 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $5,475.00 (-11.74%) | $384,651 (+599.37%) | $437,000 (+694.55%) Land $105,800 Building $331,200 |
| 2024 | $6,203.00 (+346.58%) | ||
| 2023 | $1,389.00 (+120.83%) | $55,000 (+22.22%) Land $55,000 | $55,000 (+22.22%) Land $55,000 |
| 2022 | $629.00 | $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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