3951 Guernsey Bend, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3951 Guernsey Bend, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 2023
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,500 (Sep 2023)
Tax Bill	$7,927 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-26-30-0117-0001-0660`

Property Details

APN / Parcel Number

Primary APN	`13-26-30-0117-0001-0660`
Alternative APN	`263013011700010660`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	2,280 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	600 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3951 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 66
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	OLD HICKORY PHSES 1 & 2
Legal Phase	1
Legal Lot Number	66
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3951 GUEMSEY BND, SAINT CLOUD, FL 34772
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Sep 18, 2023	Deed of Trust, Mortgage · FHA Mortgage LENNAR MORTGAGE LLC
Apr 17, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	2023122332
Deed Book / Page	6475 / 548
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2026
Property Address	3951 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Document Number	0000099762
Book / Page	7012 / 911
Instrument Date	Jul 13, 2026
Instrument	202699762
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	MORTGAGE CONNECT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 GUERNSEY BND, SAINT CLOUD, FL 34772-9211

Mortgage

Document Number	0000099762,
Date	Jul 30, 2026
Book Page	7012/911
Instrument	202699762

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.52%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3951 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	CALATLANTIC TITLE INC, CALATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2478 WINFIELD DR, KISSIMMEE, FL 34743-3667

Mortgage

Document Number	0064750552
Date	Sep 18, 2023
Book Page	6475/552
Instrument	2023122333

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company
Address	MIAMI, FL 33126

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3951 GUERNSEY BND, SAINT CLOUD, FL 34772-9211
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3951 GUERNSEY BND, SAINT CLOUD, FL 34772-9211

Mortgage

Document Number	0067731137
Date	Apr 17, 2025
Book Page	6773/1137
Instrument	2025049002

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,927.00 (+162.57%)	$379,300 (+483.54%) Land $78,000 Building $301,300	$379,300 (+483.54%) Land $78,000 Building $301,300
2023	$3,019.00 (+6.3%)	$65,000 (+18.18%) Land $65,000	$65,000 (+18.18%) Land $65,000
2022	$2,840.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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

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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