3960 Chaplain Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3960 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	6 Baths
Year Built	Built 2006
Square Footage	4,336 sqft Heated Area
Lot Size	43,560 sqft (1 acres)
Occupancy	Owner Occupied
Last Sale	$375,000 (2018)
Tax Bill	$5,151.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`33263149500001117C`
Alternative APN	`99213`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Partial Baths	2 Partial Baths
Building Area	4,336 sqft Heated Area
Gross Area	5,938 sqft Gross Area
1st Floor	2,000 sqft 1st Floor
Upper Floors	2,336 sqft Upper Floors
Stories	2 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Vinyl Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	43,560 sqft (1 acres)
Parking Spaces	4 Parking Spaces
Garage Type	Finished Garage
Garage Area	900 sqft Garage

Exterior Amenities

Pool Area	288 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft Shed
Deck Area	414 sqft Deck
Porch	1 Porch
Porch Area	702 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	99213
Street Address	3960 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 SE COR OF LOT 117, W 25 FT, N 165 FT TO POB; N 145 FT, W 310 FT, S 145 FT, E 310 FT TO POB
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	117
Jurisdiction	OSCEOLA FL
Minor Civil Division	SOUTH AND EAST OSCEOLA
Census Blockgroup	1
Census Block	1015
Census Tract	43802

Owner

Source: Osceola County records · APN 33263149500001117C

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	3960 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jan 04, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage MORIA DEVELOPMENT INC
Sep 05, 2018	Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Sep 21, 2010 · Amount on Record
Deed Doc Number	0054501310
Deed Book / Page	5450 / 1310
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3960 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058632258
Date	Jan 04, 2021
Book Page	5863/2258
Instrument	2021000273

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2018
Property Address	3960 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515
Document Number	0054501310
Book / Page	5450 / 1310
Map Reference	MB B PG 29
Instrument Date	Dec 17, 2018
Instrument	2018184062
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1610 CHESTNUT AVE, 1610, WINTER PARK, FL 32789-1608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515

Mortgage

Document Number	2018184063
Date	Dec 17, 2018
Instrument	2018184063

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3960 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515
Document Number	0054200396
Instrument Date	Sep 05, 2018
Transaction Type	Mortgage
Record Updated	Nov 01, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3960 CHAPLAIN RD ST CLOUD FL 347729515, ST CLOUD, FL 34772-9515

Mortgage

Document Number	0054200396
Date	Oct 19, 2018
Book Page	005420/000396
Instrument	156796

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Oct 18, 2046

Interest

Rate	4.37%

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
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	$5,151.00 (+6.85%) Homeowner's exemption	$361,265 (+5.99%)	$735,200 (+37.34%) Land $72,000 Building $663,200
2023	$4,821.00 (+3.9%) Homeowner's exemption	$340,859 (+3%)	$535,300 (+22.75%) Land $55,000 Building $480,300
2022	$4,640.00 Homeowner's exemption	$330,932	$436,100 Land $45,000 Building $391,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.

3960 Chaplain Rd, Saint Cloud, FL 34772 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Chaplain Rd

Nearby Streets

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