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2808 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2808 Lafayette Trace Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,512 sqft · built 2008
Lot Size0.267 acres (11,631 sqft)
Owner2 Individual Names on File
Tax Bill$4,535 (2025)
Deeds & MortgagesFeb 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN120700

Property Details

APN / Parcel Number

Primary APN120700
Alternative APN
  • 152630070000013360

Interior

Bedrooms5 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,512 sqft Heated Area
Gross Area4,500 sqft
1st Floor Area1,532 sqft
Upper Floors Area1,980 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,631 sqft (0.267 acres)
Garage TypeFinished
Garage Area640 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area308 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number120700
Street Address2808 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 336
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number336
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2021
Census Tract43208

Owner

Source: Osceola County records · APN 120700

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address2808 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 13, 2015
Deed SaleFeb 13, 2015
Deed Document Number2009011553
Deed Book / Page3789 / 2030
Prior Transfer DateJan 26, 2009
Prior Transfer Doc2009011553
Record UpdatedJun 08, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2808 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052791787
DateFeb 02, 2018
Book Page5279/1787
Instrument2018018266
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term264 Months
DueFeb 01, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,535.00 (+8.91%) Homeowner's exemption$195,502 (+5.99%)$494,100 (+9.22%) Land $85,000 Building $409,100
2023$4,164.00 (+6.06%) Homeowner's exemption$184,460 (+3%)$452,400 (+10.88%) Land $75,000 Building $377,400
2022$3,926.00 Homeowner's exemption$179,088$408,000 Land $70,000 Building $338,000

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 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
Lumen TechnologiesFiber100 / 100

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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