2804 Mosshire Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2804 Mosshire Cir, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,025 sqft · built 2022
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$395,513 (Aug 2022)
Tax Bill	$7,367 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631016200015480`

Property Details

APN / Parcel Number

Primary APN	`192631016200015480`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,025 sqft Heated Area
Gross Area	2,608 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2804 MOSSHIRE CIR
City	SAINT CLOUD
State	FL
Zip	34772-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 5 PB 26 PGS 103-104 LOT 548
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase	5
Legal Tract	162
Legal Lot Number	548
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016200015480

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2804 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 02, 2022 · Amount on Record
Deed Sale	Aug 02, 2022 · Amount on Record
Deed Document Number	2022118054
Deed Book / Page	6261 / 2132
Record Updated	Jun 08, 2026

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 02, 2022
Property Address	2804 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602
Document Number	0062612132
Book / Page	6261 / 2132
Map Reference	MB 26 PG 103&104
Instrument Date	Jul 29, 2022
Instrument	2022118054
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,769.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602

Mortgage

Document Number	0062612134
Date	Aug 02, 2022
Instrument	6261/2134

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,367.00 (+1.54%) Homeowner's exemption	$347,600 (-0.94%) Land $70,000 Building $277,600	$347,600 (-0.94%) Land $70,000 Building $277,600
2023	$7,255.00 (+171.93%) Homeowner's exemption	$350,900 (+538%) Land $60,000 Building $290,900	$350,900 (+538%) Land $60,000 Building $290,900
2022	$2,668.00	$55,000 Land $55,000	$55,000 Land $55,000

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 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force 54 of 59 on primary residences
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 446 per year
Exposure	Direct 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.