Osceola County property record for 3870 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,458 sqft Heated Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $125,000 (2021) |
| Tax Bill | $712.00 (2025) |
| Primary APN | 33263149500001085C |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,458 sqft Heated Area |
| Gross Area | 3,372 sqft Gross Area |
| Stories | 1 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99152 |
|---|---|
| Street Address | 3870 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 85, W 25 FT, N 165 FT TO POB; N 145 FT, W 310 FT, S 145 FT, E 310 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L I C SOUTH ALLIGATOR LAKE AREA |
| 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 33263149500001085C
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3870 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage WATERSTONE MORTGAGE CORP |
| Nov 05, 2021 | Warranty Deed, Construction Loan · Building or Construction 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 | Nov 05, 2021 · Amount on Record |
| Deed Sale | Nov 05, 2021 · Amount on Record |
| Prior Sale | Feb 07, 2020 · Amount on Record |
| Deed Doc Number | 2021172509 |
| Deed Book / Page | 6080 / 2449 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3870 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3870 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0069291085 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 6929/1085 |
| Instrument | 2026026831 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | BROOKFIELD, WI 53045 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 05, 2021 |
| Property Address | 3870 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0060802449 |
| Book / Page | 6080 / 2449 |
| Instrument Date | Nov 04, 2021 |
| Instrument | 2021172509 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 22, 2024 |
| Title Company | FLORIDA TITLE AND ABSTRACT, FLORIDA TITLE & ABSTRACT INC |
| 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 | 2717 ANDES WAY, SAINT CLOUD, FL 34769-5217 |
| Document Number | 0060802451 |
|---|---|
| Date | Nov 05, 2021 |
| Instrument | 6080/2451 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 04, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 07, 2020 |
| Property Address | 3870 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 | 3870 CHAPLAIN RD, SAINT CLOUD, FL 34772-9500 |
| Document Number | 0052962933 |
| Book / Page | 005296 / 002933 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 38012 |
| 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 July 1, 2025 · Last verified December 2025
| 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 | $712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $329,654 (+6.59%) | $516,700 (+29.18%) Land $83,600 Building $433,100 |
| 2023 | $621.00 (-1.27%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $309,277 (+587.28%) | $400,000 (+788.89%) Land $55,000 Building $345,000 |
| 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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