2770 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2770 Clay Whaley Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,815 sqft · built 2005
Lot Size	4.79 acres (209,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jan 2020)
Tax Bill	$13,646 (2025)
Deeds & Mortgages	Feb 2020 Sale Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`86238`

Property Details

APN / Parcel Number

Primary APN	`86238`
Alternative APN	`202630495000010140`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,815 sqft Heated Area
Gross Area	10,341 sqft
1st Floor Area	2,053 sqft
Upper Floors Area	3,747 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	209,001 sqft (4.79 acres)
Garage Type	Detached - Finished
Garage Area	725 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	1,020 sqft
Fence	Fence
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	86238
Street Address	2770 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7470
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 7 E 1/2 LOTS 3 & 14
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	KISSIMMEE PARK
Legal Tract	4950
Legal Block	1
Legal Lot Number	3,14 14
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
Co-owner	Co-owner on Record
Mailing Address	2770 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2020	Warranty Deed FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC
Jan 24, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Sep 12, 2011 · Amount on Record
Deed Document Number	0005669152
Deed Book / Page	5669 / 152
Record Updated	Jun 8, 2026

February 2020: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 4, 2020
Property Address	2770 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7470
Document Number	0056690152
Book / Page	005669 / 000152
Instrument Date	Jan 24, 2020
Instrument	17427
Record Updated	Feb 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2770 CLAY WHALEY RD ST CLOUD FL 347727470, ST CLOUD, FL 34772-7470

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2020
Property Address	2770 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7470
Document Number	0056631681
Book / Page	005663 / 001681
Instrument Date	Jan 4, 2020
Instrument	12192
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$5,600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2770 CLAY WHALEY RD ST CLOUD FL 347727470, ST CLOUD, FL 34772-7470

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	$13,646.00 (+5.78%) Homeowner's exemption	$974,417 (+5.99%)	$1,440,000 (+3.94%) Land $239,900 Building $1,200,100
2023	$12,900.00 (+3.28%) Homeowner's exemption	$919,375 (+3%)	$1,385,400 (+25.02%) Land $239,900 Building $1,145,500
2022	$12,490.00 Homeowner's exemption	$892,598	$1,108,100 Land $134,300 Building $973,800

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 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 81% of the US · above 71% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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