Osceola County property record for 3891 Guernsey Bend, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,535 sqft · built 2020 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,800 (Dec 2020) |
| Tax Bill | $6,275 (2025) |
| Deeds & Mortgages | Nov 2024 Line of Credit Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-26-30-0117-0001-0600 |
| Primary APN | 13-26-30-0117-0001-0600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,535 sqft Living Area |
| Gross Area | 3,190 sqft |
| 1st Floor Area | 2,535 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Slab |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3891 GUERNSEY BND |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 60 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Lot Number | 60 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 13-26-30-0117-0001-0600
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 3891 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2024 | Deed of Trust, Mortgage · Line of Credit UNION HOME MORTGAGE CORP |
| Dec 22, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Deed Document Number | 2020173817 |
| Deed Book / Page | 5856 / 1057 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3891 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3891 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Document Number | 0066941302 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 6694/1302 |
| Instrument | 2024143430 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 03, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 3891 GUERNSEY BND, SAINT CLOUD, FL 34772-9209 |
| Document Number | 0058561057 |
| Book / Page | 5856 / 1057 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 2020173817 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,399.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 3891 GUERNSEY BEND ST, SAINT CLOUD, FL 34772-9209 |
| Document Number | 0058561061 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 5856/1061 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,275.00 (+4.18%) Homeowner's exemption | $287,016 (+5.99%) | $409,100 (+7.18%) Land $78,000 Building $331,100 |
| 2023 | $6,023.00 (+3.35%) Homeowner's exemption | $270,804 (+3%) | $381,700 (+17.74%) Land $65,000 Building $316,700 |
| 2022 | $5,828.00 Homeowner's exemption | $262,917 | $324,200 Land $55,000 Building $269,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 133 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force 115 of 133 on primary residences |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017, river or lake flooding, Hurricane Irma |
| Wildfire Risk | High above 76% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 240 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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