1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Clay Whaley Rd

2596 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2596 Clay Whaley Rd, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeHorticulture, Ornamental (Agricultural)
Details3 bd · 2 ba · 13,318 sqft · built 1983
Lot Size9.07 acres (395,089 sqft)
OwnerCompany Name on File
Last Sale$400,000 (Dec 2020)
Tax Bill$15,552 (2025)
Deeds & MortgagesApr 2022 Mortgage
Dec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-26-30-4950-0001-0070

Property Details

APN / Parcel Number

Primary APN20-26-30-4950-0001-0070
Alternative APNs
  • 263020495000010070
  • 86231

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area13,318 sqft Gross Area
1st Floor Area11,558 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleCustom Design
Exterior MaterialFiber Cement Siding
Construction TypeBrick
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area395,089 sqft (9.07 acres)
Garage TypeDetached
Garage Area960 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area720 sqft
Patio Area896 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2596 CLAY WHALEY RD
CitySAINT CLOUD
StateFL
Zip34772-7403
Property CategoryAgriculture or Farming
Property TypeAgriculture / Farming > Horticulture, Ornamental (Agricultural)
Legal DescriptionS L & I C PB B PG 7 LOTS 7 & 8
Legal Range30E
Legal Township26S
Legal Section20
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block70
Legal Lot Number7
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43209

Owner

Source: Osceola County records · APN 20-26-30-4950-0001-0070

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address9030 TAVISTOCK LAKES BLVD, ORLANDO, FL 32827-7578
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2022Deed of Trust, Mortgage
MAINSTREET COMMUNITY BANK OF FLORIDA
Dec 29, 2020Warranty Deed, Transfer
JOHN N KILLINGSWORTH

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 29, 2020 · Amount on Record
Deed SaleDec 29, 2020 · Amount on Record
Deed Document Number2020176196
Deed Book / Page5860 / 77
Prior Transfer DateMay 25, 2007
Prior Transfer Doc0034882145
Record UpdatedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2596 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2596 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403

Mortgage

Document Number0062040344
DateApr 29, 2022
Book Page6204/344
Instrument2022067968
Lender
NameMAINSTREET COMMUNITY BANK OF FLORIDA
TypeBank
AddressDELAND, FL 32720
Agreement
AmountAmount Recorded

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 29, 2020
Property Address2596 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7403
Document Number0058600077
Book / Page005860 / 000077
Instrument DateDec 23, 2020
Instrument176196
Transaction TypeTransfer
Record UpdatedJan 18, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,800.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address9030 TAVISTOCK LAKES BLVD ORLANDO FL 328277578, ORLANDO, FL 32827-7578

Mortgage

Document Number58600079
DateDec 29, 2020
Book Page005860/000079
Instrument176197
Lender
NameJOHN N KILLINGSWORTH
Address14741 EDEN ST, FORT MYERS, FL 33908-1642
Special NotesSeller Financed
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$15,552.00 (+302.8%)$1,071,100 (+382.48%)$1,154,000 (+278.48%) Land $228,000 Building $926,000
2024$3,861.00 (+6.07%)
2023$3,640.00 (+9.15%)$222,000 (+9.14%) Land $145,100 Building $76,900$304,900 (+6.5%)
2022$3,335.00$203,400 Land $145,100 Building $58,300$286,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 136 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire RiskHigh
above 79% of the US · above 68% of Florida
Wildfire LikelihoodAbout 1 in 154 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Nearby Properties on Clay Whaley Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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