2817 Mosshire Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2817 Mosshire Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 2019
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,897 (Jan 2019)
Tax Bill	$8,216 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631016200015090`

Property Details

APN / Parcel Number

Primary APN	`192631016200015090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Heated Area
Gross Area	2,302 sqft
1st Floor Area	1,696 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	5,663 sqft (0.13 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	65 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2817 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 509
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	509
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	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 6, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 28, 2019	Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2019 · Amount on Record
Deed Sale	Jan 28, 2019 · Amount on Record
Deed Document Number	2019011191
Deed Book / Page	5468 / 2204
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0065021026
Date	Nov 8, 2023
Book Page	6502/1026
Instrument	2023147501

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Feb 1, 2049

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603

Mortgage

Document Number	0062950837
Date	Oct 6, 2022
Book Page	6295/837
Instrument	2022148150

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Feb 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2019
Property Address	2817 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3603
Document Number	0054682204
Book / Page	005468 / 002204
Instrument Date	Jan 25, 2019
Instrument	11191
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,756.28
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	2817 MOSSHIRE CIR ST CLOUD FL 347723603, ST CLOUD, FL 34772-3603

Mortgage

Document Number	54682206
Date	Jan 28, 2019
Book Page	005468/002206
Instrument	11192

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 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	$8,216.00 (+61.99%) Homeowner's exemption	$243,211 (+5.99%)	$314,500 (-0.54%) Land $70,000 Building $244,500
2023	$5,072.00 (+2.8%) Homeowner's exemption	$229,473 (+3.54%)	$316,200 (+16.46%) Land $60,000 Building $256,200
2022	$4,934.00 Homeowner's exemption	$221,625	$271,500 Land $55,000 Building $216,500

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.

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