3955 Old Canoe Creek Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3955 Old Canoe Creek Rd, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,360 sqft · built 1986
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$3,515 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`83354`

Property Details

APN / Parcel Number

Primary APN	`83354`
Alternative APN	`092630072500010841`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,360 sqft Heated Area
Gross Area	1,706 sqft
1st Floor Area	1,120 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Porch	Enclosed Porch
Porch Area	586 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	83354
Street Address	3955 OLD CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34769-6840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	S L & I C PB B PG 54 BEG 12.5 FT W OF SW COR LOT 84, E 498 FT, N 182 FT, W 183 FT, S 82 FT, W 50 FT, S 74.76 FT, W 265 FT, S
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	725
Legal Block	1
Legal Lot Number	84
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3031
Census Tract	43208

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3955 OLD CANOE CREEK RD, SAINT CLOUD, FL 34769-6840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2023
Deed Sale	May 10, 2023
Deed Document Number	2023059764
Deed Book / Page	6404 / 2744
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2023
Property Address	3955 OLD CANOE CREEK RD, SAINT CLOUD, FL 34769-6840
Document Number	0064042744
Book / Page	6404 / 2744
Map Reference	MB B PG 54
Instrument Date	May 8, 2023
Instrument	2023059764
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3955 OLD CANOE CREEK RD, SAINT CLOUD, FL 34769-6840

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3955 OLD CANOE CREEK RD, SAINT CLOUD, FL 34769-6840

Mortgage

Document Number	0064042747
Date	May 10, 2023
Instrument	6404/2747

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

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	$3,515.00 (+453.54%) Homeowner's exemption	$239,283 (+209.13%)	$257,400 (+3.79%) Land $45,100 Building $212,300
2023	$635.00 (+6.72%) Homeowner's exemption	$77,405 (+3%)	$248,000 (+65.89%) Land $40,000 Building $208,000
2022	$595.00 Homeowner's exemption	$75,151	$149,500 Land $40,000 Building $109,500

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

Nearby Properties on Old Canoe Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures