3910 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3910 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,950 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$292,900 (Jun 2021)
Tax Bill	$6,462 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132630011700010060`

Property Details

APN / Parcel Number

Primary APN	`132630011700010060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,950 sqft Heated Area
Gross Area	2,390 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3910 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 6
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Tract	117
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 15, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 18, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 4, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Deed Document Number	2021087000
Deed Book / Page	5973 / 1849
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0065500533
Date	Feb 15, 2024
Book Page	6550/533
Instrument	2024020097

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Jun 1, 2051

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0064572221
Date	Aug 15, 2023
Book Page	6457/2221
Instrument	2023106276

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jun 1, 2051

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0067562870
Date	Mar 18, 2025
Book Page	6756/2870
Instrument	2025034564

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2021
Property Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Document Number	0059731849
Book / Page	5973 / 1849
Map Reference	MB 29 PG 13
Instrument Date	May 28, 2021
Instrument	2021087000
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,050.30
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
Address	3910 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0059731853
Date	Jun 4, 2021
Instrument	5973/1853

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,462.00 (+4.21%) Homeowner's exemption	$297,478 (+5.99%)	$345,600 (+7.76%) Land $78,000 Building $267,600
2023	$6,201.00 (+3.35%) Homeowner's exemption	$280,675 (+3%)	$320,700 (+17.69%) Land $65,000 Building $255,700
2022	$6,000.00 Homeowner's exemption	$272,500 Land $55,000 Building $217,500	$272,500 Land $55,000 Building $217,500

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 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 Record 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

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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