2680 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2680 Clay Whaley Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 1985
Lot Size	1.26 acres (54,885 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Feb 2025)
Tax Bill	$5,512 (2025)
Deeds & Mortgages	Sep 2023 Transfer Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-30-4950-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`20-26-30-4950-0001-0050`
Alternative APNs	`263020495000010050` `86227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,506 sqft Living Area
Gross Area	2,604 sqft
1st Floor Area	1,506 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,885 sqft (1.26 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	570 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2680 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-2
Legal Description	S L & I C PB B PG 7 E 260.65 FT OF N 210.33 FT OF LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	50
Legal Lot Number	5
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 March 6, 2026

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	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Correction Deed ATTORNEY ONLY, ATTORNEY
Sep 14, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2025 · Amount on Record
Deed Sale	Feb 14, 2025 · Amount on Record
Prior Sale	Nov 6, 2024 · Amount on Record
Deed Document Number	202519804
Deed Book / Page	6740 / 2390
Prior Transfer Date	Nov 4, 2024
Prior Transfer Doc	0066980946
Record Updated	Sep 20, 2026

September 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2023
Property Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401
Document Number	0064762676
Book / Page	6476 / 2676
Instrument Date	Sep 19, 2023
Instrument	2023123800
Record Updated	Feb 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2023
Property Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401
Document Number	0064740673
Book / Page	6474 / 673
Instrument Date	Sep 14, 2023
Instrument	2023121318
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2023
Property Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401
Document Number	0064740673
Book / Page	6474 / 673
Instrument Date	Sep 14, 2023
Instrument	2023121318
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2680 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,512.00 (+167.44%)	$346,400 (+147.87%) Land $88,200 Building $258,200	$346,400 (-6.43%) Land $88,200 Building $258,200
2024	$2,061.00 (+2.44%)
2023	$2,012.00 (+5.29%) Homeowner's exemption	$139,751 (+3%)	$370,200 (+40.49%) Land $167,000 Building $203,200
2022	$1,911.00 Homeowner's exemption	$135,681	$263,500 Land $90,600 Building $172,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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	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 77% of the US · above 65% 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.

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 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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