2813 Mosshire Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2813 Mosshire Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,902 sqft · built 2018
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Apr 2026)
Tax Bill	$6,367 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0162-0001-5070`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0162-0001-5070`
Alternative APN	`263119016200015070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,902 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,902 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2813 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 507
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 5
Legal Phase	5
Legal Lot Number	507
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 October 19, 2026

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	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 29, 2026	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 6, 2018	Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	202656510
Deed Book / Page	6963 / 255
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0066871353
Date	Oct 30, 2024
Book Page	6687/1353
Instrument	2024138116

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	291 Months
Due	Jan 1, 2049

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2026
Property Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Document Number	0000056510
Book / Page	6963 / 255
Instrument Date	Apr 27, 2026
Instrument	2026.56510
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	FREEDOM MORTGAGE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0000056511,
Date	Apr 29, 2026
Instrument	2026..56511

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2026
Property Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Document Number	0069630255
Book / Page	6963 / 255
Instrument Date	Apr 27, 2026
Instrument	202656510
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	FREEDOM LAND SETTLEMENT CORPORATION, FREEDOM MORTGAGE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0000056511,
Date	Apr 29, 2026
Instrument	202656511

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.75%
Max Rate	-1%

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2018
Property Address	2813 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Document Number	0054450012
Book / Page	005445 / 000012
Instrument Date	Dec 4, 2018
Instrument	178988
Transaction Type	Transfer
Record Updated	Jan 3, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,738.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2813 MOSSHIRE CIR ST CLOUD FL 347723603, ST CLOUD, FL 34772-3603

Mortgage

Document Number	54450014
Date	Dec 6, 2018
Book Page	005445/000014
Instrument	178989

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$6,367.00 (+6.81%) Homeowner's exemption	$291,725 (+2.13%)	$329,200 (-0.66%) Land $70,000 Building $259,200
2024	$5,961.00 (+3.98%)
2023	$5,733.00 (+6.32%) Homeowner's exemption	$285,645 (+10.16%)	$331,400 (+16%) Land $60,000 Building $271,400
2022	$5,392.00 Homeowner's exemption	$259,302	$285,700 Land $55,000 Building $230,700

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
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.

Nearby Properties on Mosshire Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures