Osceola County property record for 3936 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2014 |
| Square Footage | 2,404 sqft Heated Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $359,000 (2019) |
| Tax Bill | $6,077.00 (2025) |
| Primary APN | 33263149500001108A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 2 Partial Baths |
| Building Area | 2,404 sqft Heated Area |
| Gross Area | 3,356 sqft Gross Area |
| 1st Floor | 1,973 sqft 1st Floor |
| Upper Floors | 431 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Concrete/Cement Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| 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 | 1,500 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 30 sqft Pool |
| Patio Area | 1,895 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 430 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99207 |
|---|---|
| Street Address | 3936 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 NE COR OF LOT 108, W 25 FT TO POB; W 617.77 FT, S 165 FT, E 307.85 FT, N 145 FT, E 310 FT, N 20 |
| 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 | 108 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 43802 |
Source: Osceola County records · APN 33263149500001108A
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 01, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Nov 05, 2019 | Warranty Deed, Transfer SUNBELT TITLE (AGENCY) |
| Nov 05, 2019 | Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 05, 2019 · Amount on Record |
| Deed Sale | Nov 05, 2019 · Amount on Record |
| Prior Sale | Nov 05, 2019 · Amount on Record |
| Deed Doc Number | 2019143785 |
| Deed Book / Page | 5618 / 1905 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0063972332 |
|---|---|
| Date | May 01, 2023 |
| Book Page | 6397/2332 |
| Instrument | 2023052945 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Mar 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 05, 2019 |
| Property Address | 3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0056181901 |
| Book / Page | 005618 / 001901 |
| Instrument Date | Oct 29, 2019 |
| Instrument | 143784 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,513.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 05, 2019 |
| Property Address | 3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0056181905 |
| Book / Page | 005618 / 001905 |
| Instrument Date | Oct 29, 2019 |
| Instrument | 143785 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2019 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,513.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3936 CHAPLAIN RD ST CLOUD FL 347729515, ST CLOUD, FL 34772-9515 |
| Document Number | 56181910 |
|---|---|
| Date | Nov 05, 2019 |
| Book Page | 005618/001910 |
| Instrument | 143786 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 04, 2049 |
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 | $6,077.00 (+38.24%) Homeowner's exemption | $428,091 (+37.9%) | $633,700 (+32.05%) Land $106,600 Building $527,100 |
| 2023 | $4,396.00 (+4%) Homeowner's exemption | $310,443 (+3%) | $479,900 (+22.21%) Land $55,000 Building $424,900 |
| 2022 | $4,227.00 Homeowner's exemption | $301,401 | $392,700 Land $45,000 Building $347,700 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 75% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 197 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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