3881 Lakeview Acres Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3881 Lakeview Acres Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,093 sqft · built 2023
Lot Size	1.33 acres (58,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Apr 2021)
Tax Bill	$6,867 (2025)
Deeds & Mortgages	Mar 2022 Construction Loan Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`33-26-31-4950-0001-091C`

Property Details

APN / Parcel Number

Primary APN	`33-26-31-4950-0001-091C`
Alternative APNs	`26313349500001091C` `99176`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,093 sqft Living Area
Gross Area	2,926 sqft
1st Floor Area	2,093 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	58,196 sqft (1.33 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3881 LAKEVIEW ACRES RD
City	SAINT CLOUD
State	FL
Zip	34772-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	S L & I C PB B PG 29 N 165 FT OF E 320.03 FT AND N 20 FT OF W 322.5 FT LOT 91 LESS W 12.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	33
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	91C
Legal Lot Number	91
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1015
Census Tract	43802

Owner

Source: Osceola County records, as of October 12, 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 Record
Mailing Address	3881 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK
Sep 11, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA
Dec 14, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Dec 14, 2017 · Amount on Record
Deed Document Number	202149337
Deed Book / Page	5926 / 1202
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3881 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9010
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3162 CRESTWOOD CIR, SAINT CLOUD, FL 34769-6653

Mortgage

Document Number	0061620828
Date	Mar 2, 2022
Book Page	6162/828
Instrument	2022033856

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2021
Property Address	3881 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9010
Document Number	0059261202
Book / Page	5926 / 1202
Instrument Date	Mar 29, 2021
Instrument	2021049337
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 ELBIB DR, SAINT CLOUD, FL 34772-8513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3162 CRESTWOOD CIR APT B, B, SAINT CLOUD, FL 34769-6698
Investor	Possibly a Property Investor

Mortgage

Document Number	0059261204
Date	Apr 1, 2021
Instrument	5926/1204

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	11.5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3881 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9010
Document Number	0058002162
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	STEWART TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3000 ELBIB DR ST CLOUD FL 347728513, ST CLOUD, FL 34772-8513

Mortgage

Document Number	0058002162
Date	Sep 25, 2020
Book Page	005800/002162
Instrument	129263

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 24, 2025

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 14, 2017
Property Address	3881 LAKEVIEW ACRES RD, SAINT CLOUD, FL 34772-9010
Document Number	0052540419
Book / Page	005254 / 000419
Instrument Date	Dec 13, 2017
Instrument	177900
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$218.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3000 ELBIB DR ST CLOUD FL 347728513, ST CLOUD, FL 34772-8513

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,867.00 (+411.32%) Homeowner's exemption	$485,128 (+782.05%)	$506,800 (+821.45%) Land $109,600 Building $397,200
2023	$1,343.00 (+113.51%)	$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

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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