Osceola County property record for 3960 Guernsey Bend, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2021 |
| Square Footage | 1,950 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $307,900 (2021) |
| Tax Bill | $6,517.00 (2025) |
| Primary APN | 132630011700010020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,950 sqft Heated Area |
| Gross Area | 2,390 sqft Gross Area |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Patio Area | 100 sqft Patio |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3960 GUERNSEY BND |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9212 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Tract | 117 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 132630011700010020
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 GUERNSEY BND, SAINT CLOUD, FL 34772-9212 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 09, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| May 24, 2021 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage HOMETOWN EQUITY MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Deed Doc Number | 2021080356 |
| Deed Book / Page | 5965 / 594 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3960 GUERNSEY BND, SAINT CLOUD, FL 34772-9212 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3960 GUERNSEY BND, SAINT CLOUD, FL 34772-9212 |
| Document Number | 0067852098 |
|---|---|
| Date | May 09, 2025 |
| Book Page | 6785/2098 |
| Instrument | 2025059236 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jun 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 24, 2021 |
| Property Address | 3960 GUERNSEY BND, SAINT CLOUD, FL 34772-9212 |
| Document Number | 0059650594 |
| Book / Page | 5965 / 594 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | May 21, 2021 |
| Instrument | 2021080356 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,155.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 3960 GUERNSEY BND, SAINT CLOUD, FL 34772-9212 |
| Document Number | 0005965598 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 5965/598 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $6,517.00 (+4.22%) Homeowner's exemption | $300,558 (+5.99%) | $348,300 (+7.63%) Land $78,000 Building $270,300 |
| 2023 | $6,253.00 (+4.15%) Homeowner's exemption | $283,581 (+3.99%) | $323,600 (+18.67%) Land $65,000 Building $258,600 |
| 2022 | $6,004.00 Homeowner's exemption | $272,700 Land $55,000 Building $217,700 | $272,700 Land $55,000 Building $217,700 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | High above 76% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 240 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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