2807 Mosshire Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2807 Mosshire Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,983 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,000 (Jan 2019)
Tax Bill	$5,847 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631016200015040`

Property Details

APN / Parcel Number

Primary APN	`192631016200015040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Heated Area
Gross Area	2,474 sqft
1st Floor Area	1,983 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	50 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2807 MOSSHIRE CIR
City	SAINT CLOUD
State	FL
Zip	34772-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 5 PB 26 PGS 103-104 LOT 504
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	504
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	2 Individual Names on Record
Mailing Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Feb 21, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jan 16, 2019	Grant Deed, Transfer · Conventional with PMI KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2019 · Amount on Record
Deed Sale	Jan 16, 2019 · Amount on Record
Deed Document Number	0054632781
Deed Book / Page	5463 / 2781
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0062402483
Date	Jun 27, 2022
Book Page	6240/2483
Instrument	2022099995

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 NOSSHIRE CIR, SAINT CLOUD, FL 34772

Mortgage

Document Number	0060830671
Date	Nov 9, 2021
Book Page	6083/671
Instrument	2021174375

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2041

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0067431596
Date	Feb 21, 2025
Book Page	6743/1596
Instrument	2025022347

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 16, 2019
Property Address	2807 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Document Number	0054632781
Book / Page	005463 / 002781
Instrument Date	Jan 16, 2019
Instrument	6549
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,917.87
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2807 MOSSHIRE CIR ST CLOUD FL 347723603, ST CLOUD, FL 34772-3603

Mortgage

Document Number	54632783
Date	Jan 16, 2019
Book Page	005463/002783
Instrument	6550

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 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	$5,847.00 (+8.22%) Homeowner's exemption	$262,669 (+5.99%)	$339,000 (-0.85%) Land $70,000 Building $269,000
2023	$5,403.00 (+2.41%) Homeowner's exemption	$247,833 (+3%)	$341,900 (+16.06%) Land $60,000 Building $281,900
2022	$5,276.00 Homeowner's exemption	$240,615	$294,600 Land $55,000 Building $239,600

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
Nearest Special Flood Hazard Area	Zone A, 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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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 329 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

May also be available: Verizon, Xfinity.

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