Osceola County property record for 3970 Chaplain Rd, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,200 sqft Heated Area |
| Lot Size | 87,120 sqft (2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $442,500 (2022) |
| Tax Bill | $4,938.00 (2025) |
| Primary APN | 33263149500001117B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,200 sqft Heated Area |
| Gross Area | 1,600 sqft Gross Area |
| 1st Floor | 1,200 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 87,120 sqft (2 acres) |
| Shed | 1 Shed |
|---|---|
| Shed Area | 120 sqft Shed |
| Deck Area | 100 sqft Deck |
| Porch | Finished/Screened Porch |
| Stable | 660 sqft Stable |
| Porch Area | 400 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99212 |
|---|---|
| Street Address | 3970 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 S 165 FT OF LOT 117 LESS E 25 FT |
| 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 |
Source: Osceola County records · APN 33263149500001117B
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 | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANDEPOT.COM LLC |
| Sep 06, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage GENHOME MORTGAGE CORP |
| Oct 31, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 06, 2022 · Amount on Record |
| Deed Sale | Sep 06, 2022 · Amount on Record |
| Prior Sale | Oct 31, 2018 · Amount on Record |
| Deed Doc Number | 2022135381 |
| Deed Book / Page | 6280 / 2889 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0068930252 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 6893/252 |
| Instrument | 2025152235 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 06, 2022 |
| Property Address | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0062802889 |
| Book / Page | 6280 / 2889 |
| Map Reference | MB B PG 29 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022135381 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2023 |
| Title Company | COAST TO COAST T&E SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,097.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4740 CYPRESS FOREST LN, SAINT CLOUD, FL 34772-7211 |
| Name | Verified Name |
|---|---|
| Address | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0062802891 |
|---|---|
| Date | Sep 06, 2022 |
| Book Page | 6280/2891 |
| Instrument | 2022135382 |
| Name | GENHOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 31, 2018 |
| Property Address | 3970 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515 |
| Document Number | 0054270776 |
| Book / Page | 005427 / 000776 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 162987 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2018 |
| Title Company | CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,932.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3970 CHAPLAIN RD ST CLOUD FL 347729515, ST CLOUD, FL 34772-9515 |
| Document Number | 54270779 |
|---|---|
| Date | Oct 31, 2018 |
| Book Page | 005427/000779 |
| Instrument | 162988 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $4,938.00 (+6.95%) Homeowner's exemption | $345,835 (+5.99%) | $358,100 (+9.75%) Land $112,600 Building $245,500 |
| 2023 | $4,617.00 (+26.91%) Homeowner's exemption | $326,300 (+25.89%) Land $110,000 Building $216,300 | $326,300 (+8.12%) Land $110,000 Building $216,300 |
| 2022 | $3,638.00 Homeowner's exemption | $259,202 | $301,800 Land $126,000 Building $175,800 |
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 500 ft |
| 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.
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