2592 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2592 Clay Whaley Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,178 sqft · built 1989
Lot Size	4.84 acres (210,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jun 2018)
Tax Bill	$7,114 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`86233`

Property Details

APN / Parcel Number

Primary APN	`86233`
Alternative APN	`202630495000010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,178 sqft Heated Area
Gross Area	4,862 sqft
1st Floor Area	3,178 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2006
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	210,830 sqft (4.84 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	660 sqft
Porch	Open Porch
Porch Area	1,030 sqft
Deck Area	840 sqft
Shed	1 Shed
Shed Area	192 sqft
Gazebo	64 sqft
Utility Building	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86233
Street Address	2592 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	S L & I C PB B PG 7 LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	KISSIMMEE PARK
Legal Tract	4950
Legal Block	1
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

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	2 Individual Names on Record
Mailing Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARCUS LENDING 2 ARCUS LENDING 2
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Jun 20, 2018	Warranty Deed, Transfer QUALITY TITLE AND ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Deed Document Number	2018095226
Deed Book / Page	5353 / 2616
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Transaction Type	Mortgage
Record Updated	Jan 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403

Mortgage

Document Number	0061261087
Date	Jan 11, 2022
Book Page	6126/1087
Instrument	2022005293

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Document Number	0058250275
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 19, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2592 CLAY WHALEY RD ST CLOUD FL 347727403, ST CLOUD, FL 34772-7403

Mortgage

Document Number	0058250275
Date	Nov 3, 2020
Book Page	005825/000275
Instrument	149090

Lender

Name	ARCUS LENDING 2 ARCUS LENDING 2
Type	Bank
Address	SAN JOSE, CA 95129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Document Number	0055220665
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2592 CLAY WHALEY RD ST CLOUD FL 347727403, ST CLOUD, FL 34772-7403

Mortgage

Document Number	0055220665
Date	May 10, 2019
Book Page	005522/000665
Instrument	60405

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2018
Property Address	2592 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Document Number	0053532616
Book / Page	005353 / 002616
Instrument Date	Jun 13, 2018
Instrument	95226
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	QUALITY TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$3,780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2592 CLAY WHALEY RD ST CLOUD FL 347727403, ST CLOUD, FL 34772-7403

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,114.00 (+6.39%) Homeowner's exemption	$502,921 (+5.99%)	$771,800 (+1.71%) Land $242,000 Building $529,800
2023	$6,687.00 (+3.61%) Homeowner's exemption	$474,513 (+3%)	$758,800 (+31.44%) Land $242,000 Building $516,800
2022	$6,454.00 Homeowner's exemption	$460,693	$577,300 Land $135,500 Building $441,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	57.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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 79% of the US · above 67% of Florida
Wildfire Likelihood	0.7% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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