2812 Mead Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2812 Mead Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2017
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Feb 2020)
Tax Bill	$4,597 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`082531373400013650`

Property Details

APN / Parcel Number

Primary APN	`082531373400013650`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,144 sqft Heated Area
Gross Area	2,826 sqft
1st Floor Area	2,144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
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
Porch	Open Porch
Porch Area	262 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2812 MEAD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 3 PB 24 PG 88-93 LOT 365
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE
Legal Phase	3
Legal Tract	3734
Legal Lot Number	365
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43600

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	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Feb 26, 2020	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM
Jun 6, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Prior Sale	Jun 6, 2017 · Amount on Record
Deed Document Number	0005681623
Deed Book / Page	5681 / 623
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938

Mortgage

Document Number	0063641353
Date	Mar 1, 2023
Book Page	6364/1353
Instrument	2023023800

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Feb 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938

Mortgage

Document Number	0058810781
Date	Feb 1, 2021
Book Page	5881/781
Instrument	2021013888

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	IRVINE, CA 92606

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2020
Property Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938
Document Number	0056810623
Book / Page	005681 / 000623
Instrument Date	Feb 26, 2020
Instrument	28261
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	CLOSING AGENT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2812 MEAD AVE ST CLOUD FL 347717938, ST CLOUD, FL 34771-7938

Mortgage

Document Number	56810626
Date	Feb 26, 2020
Book Page	005681/000626
Instrument	28262

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

June 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2017
Property Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938
Document Number	0051592205
Book / Page	5159 / 2205
Map Reference	MB24 PG88-93
Instrument Date	Jun 5, 2017
Instrument	2017082404
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,134.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2812 MEAD AVE, SAINT CLOUD, FL 34771-7938

Mortgage

Document Number	0051592207
Date	Jun 6, 2017
Instrument	5159/2207

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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	$4,597.00 (+7.08%) Homeowner's exemption	$321,244 (+5.99%)	$402,300 (+0.98%) Land $78,800 Building $323,500
2023	$4,293.00 (+4%) Homeowner's exemption	$303,099 (+3%)	$398,400 (+19.17%) Land $78,800 Building $319,600
2022	$4,128.00 Homeowner's exemption	$294,271	$334,300 Land $63,000 Building $271,300

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 394 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: AT&T, T-Mobile, Verizon, Xfinity.

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