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3940 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3940 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,552 sqft · built 2021
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on Record
Last Sale$274,800 (Jul 2021)
Tax Bill$5,697 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN132630011700010030

Property Details

APN / Parcel Number

Primary APN132630011700010030

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,552 sqft Heated Area
Gross Area2,000 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area48 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3940 GUERNSEY BND
CitySAINT CLOUD
StateFL
Zip34772-9212
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 3
Legal Range30E
Legal Township26S
Legal Section13
Legal SubdivisionOLD HICKORY PHSES 1 & 2
Legal Phase1
Legal Tract117
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43303

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3940 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2021 · Amount on Record
Deed SaleJul 9, 2021 · Amount on Record
Deed Document Number2021106840
Deed Book / Page5998 / 2386
Record UpdatedJun 8, 2026

July 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 9, 2021
Property Address3940 GUERNSEY BND, SAINT CLOUD, FL 34772-9212
Document Number0059982386
Book / Page5998 / 2386
Map ReferenceMB 29 PG 13
Instrument DateJul 8, 2021
Instrument2021106840
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,923.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

NameVerified Name
Address3940 GUERNSEY BND, SAINT CLOUD, FL 34772-9212

Mortgage

Document Number0059982390
DateJul 9, 2021
Instrument5998/2390
Lender
NameLENNAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,697.00 (+4.26%) Homeowner's exemption Senior Citizen's exemption$266,365 (+5.99%)$310,400 (+8.12%) Land $78,000 Building $232,400
2023$5,464.00 (+3.52%) Homeowner's exemption Senior Citizen's exemption$251,320 (+3%)$287,100 (+17.66%) Land $65,000 Building $222,100
2022$5,278.00 Homeowner's exemption Senior Citizen's exemption$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

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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 RiskHigh
above 75% of the US · above 62% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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