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3875 Creek Bed Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3875 Creek Bed Cir, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,032 sqft · built 1991
Lot Size0.174 acres (7,579 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Aug 2022)
Tax Bill$3,798 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-30-0012-0001-0070

Property Details

APN / Parcel Number

Primary APN04-26-30-0012-0001-0070
Alternative APNs
  • 263004001200010070
  • 82086

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,032 sqft Living Area
Gross Area1,553 sqft
1st Floor Area1,032 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 2000
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,579 sqft (0.174 acres)
Lot Dimensions105 ft deep x 72 ft wide
Garage TypeAttached
Garage Area500 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area21 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3875 CREEK BED CIR
CitySAINT CLOUD
StateFL
Zip34769-1412
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionBLACKBERRY CREEK UNIT 2 PB 6 PG 165 LOT 7
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionBLACKBERRY CREEK UNIT 2
Legal Tract12
Legal Block70
Legal Lot Number7
Legal Unit2P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43203

Owner

3875 Creek Bed Cir is owned and occupied by two individuals who bought it in August 2022.

Source: Osceola County records, as of April 3, 2026

Owner of Record2 Individual Names on File
Mailing Address3875 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 17, 2022 · Amount on File
Deed SaleAug 17, 2022 · Amount on File
Prior SaleAug 9, 2001 · Amount on File
Deed Document Number2022126434
Deed Book / Page6270 / 2161
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 17, 2022
Property Address3875 CREEK BED CIR, SAINT CLOUD, FL 34769-1412
Document Number0062702161
Book / Page6270 / 2161
Map ReferenceMB 6 PG 165
Instrument DateAug 15, 2022
Instrument2022126434
Transaction TypeTransfer
Record UpdatedSep 1, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2351 GENOVA DR, 2351, OVIEDO, FL 32765-7219

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3875 CREEK BED CIR, SAINT CLOUD, FL 34769-1412

Mortgage

Document Number0062702162
DateAug 17, 2022
Instrument6270/2162
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3875 Creek Bed Cir was $3,798 with a homeowner's exemption, up 3.5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,798.00 (+3.49%) Homeowner's exemption$255,110$260,900 Land $70,000 Building $190,900
2024$3,670.00 (+2.63%)
2023$3,576.00 (+362.02%) Homeowner's exemption$240,700 (+182.76%) Land $60,000 Building $180,700$240,700 (+34.09%) Land $60,000 Building $180,700
2022$774.00 Homeowner's exemption$85,124$179,500 Land $45,000 Building $134,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3875 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims1 (2017)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 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 3875 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T, Verizon.

Nearby Properties on Creek Bed Cir

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