2805 Shelburne Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2805 Shelburne Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,140 sqft · built 2015
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (Aug 2024)
Tax Bill	$7,661 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631015700010280`

Property Details

APN / Parcel Number

Primary APN	`192631015700010280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,140 sqft Heated Area
Gross Area	2,880 sqft
1st Floor Area	2,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Open Porch
Porch Area	320 sqft
Deck Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2805 SHELBURNE WAY
City	SAINT CLOUD
State	FL
Zip	34772-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 1 PB 22 PG 75-83 LOT 28
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PHS 1 3 &3A
Legal Phase	1
Legal Tract	157
Legal Block	1
Legal Lot Number	28
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43304

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	Individual Name on Record
Mailing Address	2805 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 23, 2020	Deed of Trust, Mortgage · SBA Mortgage MIDWEST REGIONAL BANK
Mar 21, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Mar 26, 2015 · Amount on Record
Deed Document Number	2024110777
Deed Book / Page	6655 / 1833
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2024
Property Address	2805 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Document Number	0066551833
Book / Page	6655 / 1833
Map Reference	MB 22 PG 75-83
Instrument Date	Aug 22, 2024
Instrument	2024110777
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,423.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6983 BIG BEND DR, SAINT CLOUD, FL 34771-7324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2805 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Investor	Possibly a Property Investor

Mortgage

Document Number	2024110778
Date	Aug 27, 2024
Instrument	2024110778

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2805 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057602320
Date	Jul 23, 2020
Book Page	5760/2320
Instrument	2020096449

Lender

Name	MIDWEST REGIONAL BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	125 Months
Due	Dec 17, 2030

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2805 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Document Number	0055222606
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	May 29, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2805 SHELBURNE WAY ST CLOUD FL 347728909, ST CLOUD, FL 34772-8909

Mortgage

Document Number	0055222606
Date	May 13, 2019
Book Page	005522/002606
Instrument	60915

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,661.00 (+48.41%) Homeowner's exemption	$364,000 (+55.25%) Land $70,000 Building $294,000	$364,000 (-0.55%) Land $70,000 Building $294,000
2023	$5,162.00 (+2.38%) Homeowner's exemption	$234,454 (+3%)	$366,000 (+14.88%) Land $60,000 Building $306,000
2022	$5,042.00 Homeowner's exemption	$227,626	$318,600 Land $55,000 Building $263,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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