Osceola County property record for 3874 Creek Bed Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,458 sqft · built 1991 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Apr 2013) |
| Tax Bill | $1,695 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0012-0001-0290 |
| Primary APN | 04-26-30-0012-0001-0290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,458 sqft Living Area |
| Gross Area | 2,054 sqft |
| 1st Floor Area | 1,458 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,191 sqft (0.211 acres) |
| Lot Dimensions | 105 ft deep x 89 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 416 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3874 CREEK BED CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | BLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 29 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | BLACKBERRY CREEK UNIT 2 |
| Legal Tract | 12 |
| Legal Block | 290 |
| Legal Lot Number | 29 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43203 |
3874 Creek Bed Cir is owned and occupied by an individual who bought it in April 2013.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3874 CREEK BED CIR, SAINT CLOUD, FL 34769-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2013 · Amount on File |
| Deed Sale | Apr 23, 2013 · Amount on File |
| Prior Sale | Feb 27, 2013 · Amount on File |
| Deed Document Number | 201364529 |
| Deed Book / Page | 4430 / 2902 |
| Prior Transfer Date | Apr 22, 2005 |
| Prior Transfer Doc | 0028290715 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3874 Creek Bed Cir was $1,695 with a homeowner's exemption, up 3.9% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,695.00 (+3.92%) Homeowner's exemption | $137,595 | $302,400 Land $70,000 Building $232,400 |
| 2024 | $1,631.00 (+3.29%) | ||
| 2023 | $1,579.00 (+4.43%) Homeowner's exemption | $129,824 (+3%) | $280,100 (+27.14%) Land $60,000 Building $220,100 |
| 2022 | $1,512.00 Homeowner's exemption | $126,043 | $220,300 Land $45,000 Building $175,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3874 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 risk around 3874 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.
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 |
| 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.
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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