Osceola County property record for 3920 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1988 |
| Square Footage | 3,150 sqft Heated Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $315,000 (2020) |
| Tax Bill | $4,706.00 (2025) |
| Primary APN | 33263149500001101C |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,150 sqft Heated Area |
| Gross Area | 3,840 sqft Gross Area |
| 1st Floor | 818 sqft 1st Floor |
| Upper Floors | 1,433 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 650 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 40 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99184 |
|---|---|
| Street Address | 3920 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 101, W 25 FT, N 165 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 | 101 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33263149500001101C
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 |
|---|---|
| Mailing Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 06, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) HAMILTON HM LNS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Doc Number | 2020138074 |
| Deed Book / Page | 5811 / 2515 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0065142357 |
|---|---|
| Date | Dec 06, 2023 |
| Book Page | 6514/2357 |
| Instrument | 2023158935 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0060690916 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 6069/916 |
| Instrument | 2021163506 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 368 Months |
| Due | Jun 14, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 13, 2020 |
| Property Address | 3920 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0058112515 |
| Book / Page | 005811 / 002515 |
| Instrument Date | Oct 09, 2020 |
| Instrument | 138074 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3920 CHAPLAIN RD ST CLOUD FL 347729515, ST CLOUD, FL 34772-9515 |
| Document Number | 58112516 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 005811/002516 |
| Instrument | 138075 |
| Name | HAMILTON HM LNS INC |
|---|---|
| Address | SUNRISE, FL 33323 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2050 |
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 | $4,706.00 (+45.2%) Homeowner's exemption | $329,111 (+44.49%) | $438,700 (+53.12%) Land $83,600 Building $355,100 |
| 2023 | $3,241.00 (+4.35%) Homeowner's exemption | $227,775 (+3%) | $286,500 (+23.12%) Land $55,000 Building $231,500 |
| 2022 | $3,106.00 Homeowner's exemption | $221,141 | $232,700 Land $45,000 Building $187,700 |
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 | Minimal |
| 500-Year Floodplain | No |
| 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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