3871 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3871 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	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Oct 2019)
Tax Bill	$2,871 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0012-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0012-0001-0080`
Alternative APNs	`263004001200010080` `82087`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,458 sqft Living Area
Gross Area	1,910 sqft
1st Floor Area	1,458 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	112 ft deep x 82.4 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	32 sqft
Deck Area	51 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3871 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 8
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	BLACKBERRY CREEK UNIT 2
Legal Tract	12
Legal Block	80
Legal Lot Number	8
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43203

Owner

3871 Creek Bed Cir is owned and occupied by two individuals who bought it in October 2019.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 11, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 8, 2019	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2019 · Amount on File
Deed Sale	Oct 8, 2019 · Amount on File
Prior Sale	Feb 21, 2007 · Amount on File
Deed Document Number	2019129904
Deed Book / Page	5602 / 985
Prior Transfer Date	Mar 21, 2007
Prior Transfer Doc	0034412401
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412

Mortgage

Document Number	0061800928
Date	Mar 28, 2022
Book Page	6180/928
Instrument	2022048286

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412

Mortgage

Document Number	0057921284
Date	Sep 11, 2020
Book Page	5792/1284
Instrument	2020121931

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Sep 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 8, 2019
Property Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Document Number	0056020985
Book / Page	5602 / 0985
Map Reference	MB 6 PG 165
Instrument Date	Aug 24, 2019
Instrument	2019129904
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3871 CREEK BED CIR, SAINT CLOUD, FL 34769-1412

Mortgage

Document Number	0005602987
Date	Oct 8, 2019
Instrument	5602/987

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3871 Creek Bed Cir was $2,871 with a homeowner's exemption, up 3.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$2,871.00 (+3.61%) Homeowner's exemption	$203,288	$298,100 Land $70,000 Building $228,100
2024	$2,771.00 (+2.82%)
2023	$2,695.00 (+3.81%) Homeowner's exemption	$191,805 (+3%)	$275,500 (+25.8%) Land $60,000 Building $215,500
2022	$2,596.00 Homeowner's exemption	$186,219	$219,000 Land $45,000 Building $174,000

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

Flood

FEMA maps place 3871 Creek Bed Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3871 Creek Bed Cir is low, with a 0.01% annual chance of 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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