2800 Stagecoach Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2800 Stagecoach Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,645 sqft · built 2013
Lot Size	4.44 acres (193,406 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,500 (Jan 2014)
Tax Bill	$5,177 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202630332200010020`

Property Details

APN / Parcel Number

Primary APN	`202630332200010020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,645 sqft Heated Area
Gross Area	3,549 sqft
1st Floor Area	2,645 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	193,406 sqft (4.44 acres)
Garage Type	Finished
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	412 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2800 STAGECOACH RD
City	SAINT CLOUD
State	FL
Zip	34772-7802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDLE PATH ESTATES PB 23 PG 99-100 LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	KISSIMMEE PARK
Legal Tract	3322
Legal Lot Number	2
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	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 6, 2017	Deed of Trust, Mortgage · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2014 · Amount on Record
Deed Sale	Jan 2, 2014 · Amount on Record
Deed Document Number	2014000560
Deed Book / Page	4552 / 0396
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802

Mortgage

Document Number	0065102496
Date	Nov 29, 2023
Book Page	6510/2496
Instrument	2023155483

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802

Mortgage

Document Number	0060140020
Date	Aug 2, 2021
Book Page	6014/20
Instrument	2021118988

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2800 STAGECOACH RD, SAINT CLOUD, FL 34772-7802
Document Number	0051030680
Book / Page	005103 / 000680
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Mar 17, 2017
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 STAGECOACH RD ST CLOUD FL 347727802, ST CLOUD, FL 34772-7802

Mortgage

Document Number	0051030680
Date	Feb 15, 2017
Book Page	005103/000680
Instrument	25981

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

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	$5,177.00 (+6.85%) Homeowner's exemption	$363,144 (+5.99%)	$726,400 (+1.52%) Land $215,000 Building $511,400
2023	$4,845.00 (+3.88%) Homeowner's exemption	$342,632 (+3%)	$715,500 (+29.81%) Land $215,000 Building $500,500
2022	$4,664.00 Homeowner's exemption	$332,653	$551,200 Land $125,000 Building $426,200

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 78% of the US · above 66% 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 15 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
AT&T Fixed Wireless	25 / 3

May also be available: Hotwire Communications.

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