3920 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3920 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Jul 2025)
Tax Bill	$7,522 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132630011700010050`

Property Details

APN / Parcel Number

Primary APN	`132630011700010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Heated Area
Gross Area	2,000 sqft
Flooring	Carpet
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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3920 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 5
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	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

3920 Guernsey Bend is owned and occupied by an individual who bought it in July 2025.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3920 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2025	Warranty Deed, Transfer · FHA Mortgage ACRISURE MORTGAGE LLC
May 17, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2025 · Amount on File
Deed Sale	Jul 16, 2025 · Amount on File
Prior Sale	May 17, 2021 · Amount on File
Deed Document Number	2025088486
Deed Book / Page	6820 / 924
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2025
Property Address	3920 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Document Number	0068200924
Book / Page	6820 / 924
Map Reference	MB 29 PG 13
Instrument Date	Jul 11, 2025
Instrument	2025088486
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, STRONG TITLE AGENCY CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13689 CHAUVIN AVE, ORLANDO, FL 32827-3800

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0006820928
Date	Jul 16, 2025
Instrument	6820/928

Lender

Name	ACRISURE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

May 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2021
Property Address	3920 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Document Number	0059591457
Book / Page	5959 / 1457
Map Reference	MB 29 PG 13
Instrument Date	May 13, 2021
Instrument	2021075325
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,959.30
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	3920 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number	0059591465
Date	May 17, 2021
Instrument	5959/1465

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3920 Guernsey Bend was $7,522.

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	$7,522.00	$313,600 Land $78,000 Building $235,600	$313,600 Land $78,000 Building $235,600
2023	$6,911.00 (+10.58%)	$290,700 (+19.14%) Land $65,000 Building $225,700	$290,700 (+19.14%) Land $65,000 Building $225,700
2022	$6,250.00	$244,000 Land $55,000 Building $189,000	$244,000 Land $55,000 Building $189,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3920 Guernsey Bend in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3920 Guernsey Bend is high, ranking above 75% of the US, with a 0.4% annual chance of 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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