3921 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3921 Guernsey Bend, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2020
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$323,900 (Jan 2021)
Tax Bill	$6,863 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`132630011700010630`

Property Details

APN / Parcel Number

Primary APN	`132630011700010630`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Heated Area
Gross Area	2,922 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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3921 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 63
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	63
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 132630011700010630

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	3921 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2021 · Amount on Record
Deed Sale	Jan 04, 2021 · Amount on Record
Deed Document Number	2021000560
Deed Book / Page	5864 / 558
Record Updated	Jun 08, 2026

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2021
Property Address	3921 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Document Number	0058640558
Book / Page	5864 / 558
Map Reference	MB 29 PG 13
Instrument Date	Dec 30, 2020
Instrument	2021000560
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,267.30
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
Relationship	Joint Tenants
Address	3921 GUERNSEY BEND, SAINT CLOUD, FL 34772-9211

Mortgage

Document Number	0005864562
Date	Jan 04, 2021
Instrument	5864/562

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$6,863.00 (+4.29%) Homeowner's exemption	$319,857 (+5.99%)	$371,000 (+7.44%) Land $78,000 Building $293,000
2023	$6,581.00 (+3.31%) Homeowner's exemption	$301,790 (+3%)	$345,300 (+17.85%) Land $65,000 Building $280,300
2022	$6,370.00 Homeowner's exemption	$293,000 Land $55,000 Building $238,000	$293,000 Land $55,000 Building $238,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force 115 of 133 on primary residences
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	About 1 in 240 per year
Exposure	Direct burnable vegetation at the parcel

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.