3890 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3890 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,879 sqft · built 2021
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (May 2021)
Tax Bill	$8,745 (2025)
Deeds & Mortgages	Oct 2024 Second Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0080`
Alternative APN	`263013011700010080`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,879 sqft Living Area
Gross Area	3,348 sqft
1st Floor Area	1,787 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Patio Area	48 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3890 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

3890 Guernsey Bend is owned and occupied by two individuals who acquired it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3890 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Date	Document
Oct 22, 2024	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage HOME MORTGAGE ALLIANCE CORP
May 4, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2021 · Amount on File
Deed Sale	May 4, 2021 · Amount on File
Deed Document Number	202167813
Deed Book / Page	5950 / 781
Last Transfer Date	Oct 11, 2024
Transfer Doc	0066822559
Record Updated	Jun 8, 2026

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2024
Property Address	3890 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0066822559
Book / Page	6682 / 2559
Map Reference	MB 29 PG 13-24
Instrument Date	Oct 11, 2024
Instrument	2024134459
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3890 GUEMSEY BEND, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3890 GUEMSEY BEND, SAINT CLOUD, FL 34772

Mortgage

Document Number	2024134460
Date	Oct 22, 2024
Instrument	2024134460

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2044

May 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2021
Property Address	3890 GUERNSEY BND, SAINT CLOUD, FL 34772-9210
Document Number	0059500781
Book / Page	5950 / 781
Map Reference	MB 29 PG 13
Instrument Date	May 3, 2021
Instrument	2021067813
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,513.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3890 GUERNSEY BND, SAINT CLOUD, FL 34772-9210

Mortgage

Document Number	0005950785
Date	May 4, 2021
Instrument	5950/785

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3890 Guernsey Bend was $8,745, up 0.6% 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	$8,745.00 (+0.55%)	$425,000 Land $78,000 Building $347,000	$425,000 Land $78,000 Building $347,000
2024	$8,697.00 (+1.85%)
2023	$8,539.00 (+6.22%) Homeowner's exemption	$410,500 (+19.57%) Land $65,000 Building $345,500	$410,500 (+19.57%) Land $65,000 Building $345,500
2022	$8,039.00	$343,300 Land $55,000 Building $288,300	$343,300 Land $55,000 Building $288,300

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

Flood

FEMA maps place 3890 Guernsey Bend in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
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 3890 Guernsey Bend is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.4% 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	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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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