Osceola County property record for 3908 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,184 sqft Heated Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $75,000 (2021) |
| Tax Bill | $5,330.00 (2025) |
| Primary APN | 33263149500001092D |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,184 sqft Heated Area |
| Gross Area | 2,829 sqft Gross Area |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Finished Garage |
| Patio Area | 100 sqft Patio |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99181 |
|---|---|
| Street Address | 3908 CHAPLAIN RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9515 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 29 COM AT SE COR OF LOT 92, W 25 FT, N 20 FT TO POB; N 145 FT, W 310 FT, S 145 FT, E 310 FT TO POB |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 33 |
| Legal Subdivision | S L I C SOUTH ALLIGATOR LAKE AREA |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 92 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33263149500001092D
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3908 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 21, 2021 | Warranty Deed, Construction Loan · Building or Construction Mortgage GATEWAY FIRST BANK |
| Feb 07, 2020 | Warranty Deed, Transfer FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO |
| Mar 06, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on Record |
| Deed Sale | Apr 21, 2021 · Amount on Record |
| Prior Sale | Feb 07, 2020 · Amount on Record |
| Deed Doc Number | 2021060540 |
| Deed Book / Page | 5940 / 2402 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2021 |
| Property Address | 3908 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0059402402 |
| Book / Page | 5940 / 2402 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 2021060540 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 22, 2024 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Tax | $525.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 E 13TH ST, SAINT CLOUD, FL 34769-4749 |
| Name | Verified Name |
|---|---|
| Address | 2546 CROWN RIDGE CIR, KISSIMMEE, FL 34744-8461 |
| Document Number | 0059402403 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 5940/2403 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 20, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.7% |
| Type Change Date | May 01, 2021 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Min Rate At Change | 3.7% |
| Max Rate At Change | 4.7% |
| Index | Prime Rate |
| Max Rate | 8.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 07, 2020 |
| Property Address | 3908 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0056710533 |
| Book / Page | 005671 / 000533 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 19636 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2020 |
| Title Company | FLORIDA TITLE, FLORIDA TITLE & ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,625.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 107 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 06, 2018 |
| Property Address | 3908 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0052962957 |
| Book / Page | 005296 / 002957 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 38024 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4024 SHORECREST DR ORLANDO FL 328042225, ORLANDO, FL 32804-2225 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $5,330.00 (+6.81%) Homeowner's exemption | $374,134 (+5.99%) | $458,300 (+29.83%) Land $83,600 Building $374,700 |
| 2023 | $4,990.00 (+314.11%) Homeowner's exemption | $353,000 (+684.44%) Land $55,000 Building $298,000 | $353,000 (+684.44%) Land $55,000 Building $298,000 |
| 2022 | $1,205.00 | $45,000 Land $45,000 | $45,000 Land $45,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 192 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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