3911 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3911 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,439 sqft · built 2020
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$337,800 (Dec 2020)
Tax Bill	$1,909 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132630011700010620`

Property Details

APN / Parcel Number

Primary APN	`132630011700010620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,439 sqft Heated Area
Gross Area	3,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	48 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3911 GUERNSEY BND
City	SAINT CLOUD
State	FL
Zip	34772-9211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 62
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	62
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
Mailing Address	3911 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 29, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Deed Document Number	2020175883
Deed Book / Page	5859 / 1526
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3911 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 GUERNSEY BND, SAINT CLOUD, FL 34772-9211

Mortgage

Document Number	0064261403
Date	Jun 16, 2023
Book Page	6426/1403
Instrument	2023078501

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Dec 1, 2050

December 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2020
Property Address	3911 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Document Number	0058591526
Book / Page	5859 / 1526
Map Reference	MB 29 PG 13
Instrument Date	Nov 28, 2020
Instrument	2020175883
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,364.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 GUERNSEY BEND, SAINT CLOUD, FL 34772-9211

Mortgage

Document Number	0058591530
Date	Dec 29, 2020
Instrument	5859/1530

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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	$1,909.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$305,032 (-2.33%)	$407,900 (-1.35%) Land $78,000 Building $329,900
2023	$1,909.00 (-70.16%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$312,309 (+4.27%)	$413,500 (+18.92%) Land $65,000 Building $348,500
2022	$6,397.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$299,524	$347,700 Land $55,000 Building $292,700

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.

Nearby Properties on Guernsey Bend

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures