Osceola County property record for 2640 Clay Whaley Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,819 sqft · built 1986 |
| Lot Size | 2.27 acres (99,186 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $2,407 (2025) |
| Deeds & Mortgages | Nov 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-30-4950-0001-0055 |
| Primary APN | 20-26-30-4950-0001-0055 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,819 sqft Living Area |
| Gross Area | 3,135 sqft |
| 1st Floor Area | 1,819 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 99,186 sqft (2.27 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 594 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2640 CLAY WHALEY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | S L & I C PB B PG 7 W 1/2 LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2640 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 11, 1996 |
| Transfer Doc | 1338002375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 2640 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401 |
| Document Number | 0056251598 |
| Book / Page | 005625 / 001598 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 149957 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2640 CLAY WHALEY RD ST CLOUD FL 347727401, ST CLOUD, FL 34772-7401 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,407.00 (+6.36%) Homeowner's exemption | $163,175 (+5.99%) | $413,100 (+1.35%) Land $159,400 Building $253,700 |
| 2024 | $2,263.00 (+2.35%) | ||
| 2023 | $2,211.00 (+5.09%) Homeowner's exemption | $153,959 (+3%) | $407,600 (+36.96%) Land $159,400 Building $248,200 |
| 2022 | $2,104.00 Homeowner's exemption | $149,475 | $297,600 Land $86,500 Building $211,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 18 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: AT&T, Spectrum.
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