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2815 Latter Day Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2815 Latter Day Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,410 sqft · built 2003
Lot Size0.198 acres (8,625 sqft)
OwnerIndividual Name on File
Last Sale$257,000 (Dec 2020)
Tax Bill$3,090 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Dec 2020 Sale
Flood ZoneZone X (minimal risk)
APN85608

Property Details

APN / Parcel Number

Primary APN85608
Alternative APN
  • 162630058800010330

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,410 sqft Heated Area
Gross Area2,132 sqft
1st Floor Area1,410 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,625 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area281 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85608
Street Address2815 LATTER DAY CT
CitySAINT CLOUD
StateFL
Zip34772-7736
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK LAKES UNIT 12 PB 13 PG 132-135 LOT 33 22-26-30
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract588
Legal Block1
Legal Lot Number22,33 22
Legal Unit12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records · APN 85608

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 RecordIndividual Name on File
Mailing Address2815 LATTER DAY CT, SAINT CLOUD, FL 34772-7736
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2023Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Dec 17, 2020Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 17, 2020 · Amount on Record
Deed SaleDec 17, 2020 · Amount on Record
Prior SaleAug 06, 2003 · Amount on Record
Deed Document Number2020172150
Deed Book / Page5854 / 219
Record UpdatedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2815 LATTER DAY CT, SAINT CLOUD, FL 34772-7736
Transaction TypeMortgage
Record UpdatedAug 07, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 VIRGINIA HILLS DR, CORPUS CHRISTI, TX 78414-4075

Mortgage

Document Number0064440951
DateJul 21, 2023
Book Page6444/951
Instrument2023094397
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueAug 02, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 17, 2020
Property Address2815 LATTER DAY CT, SAINT CLOUD, FL 34772-7736
Document Number0058540219
Book / Page005854 / 000219
Instrument DateDec 16, 2020
Instrument172150
Transaction TypeTransfer
Record UpdatedJan 08, 2021
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,799.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2815 LATTER DAY CT ST CLOUD FL 347727736, ST CLOUD, FL 34772-7736

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$3,090.00 (+6.44%) Homeowner's exemption$215,549 (+5.99%)$294,100 (-2.16%) Land $75,000 Building $219,100
2023$2,903.00 (+3.72%) Homeowner's exemption$203,374 (+3%)$300,600 (+20.43%) Land $65,000 Building $235,600
2022$2,799.00 Homeowner's exemption$197,451$249,600 Land $60,000 Building $189,600

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 402 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35
Lumen TechnologiesDSL140 / 20

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

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