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2820 Latter Day Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2820 Latter Day Ct, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,100 sqft · built 2003
Lot Size0.274 acres (11,935 sqft)
OwnerIndividual Name on Record
Last Sale$28,500 (Sep 2003)
Tax Bill$2,001 (2025)
Deeds & MortgagesApr 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN16-26-30-0588-0001-0370

Property Details

APN / Parcel Number

Primary APN16-26-30-0588-0001-0370
Alternative APNs
  • 263016058800010370
  • 85612

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,100 sqft Living Area
Gross Area2,784 sqft
1st Floor Area2,100 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleConventional
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,935 sqft (0.274 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area392 sqft
PorchFlorida Room
Porch Area284 sqft
Deck Area388 sqft
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2820 LATTER DAY CT
CitySAINT CLOUD
StateFL
Zip34772-7736
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 12 PB 13 PG 132-135 22-26-30 LOT 37
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 12
Legal Tract588
Legal Block370
Legal Lot Number37
Legal Unit12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address2820 LATTER DAY CT, SAINT CLOUD, FL 34772-7736
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 19, 2003 · Amount on Record
Deed SaleSep 19, 2003 · Amount on Record
Prior SaleSep 19, 2003 · Amount on Record
Deed Book / Page2342 / 1015
Last Transfer DateApr 22, 2015
Transfer Doc0047751718
Record UpdatedOct 29, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2820 LATTER DAY CT, SAINT CLOUD, FL 34772-7736
Transaction TypeMortgage
Record UpdatedMay 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 LATTER DAY CT, SAINT CLOUD, FL 34772-7736

Mortgage

Document Number0062022334
DateApr 27, 2022
Book Page6202/2334
Instrument2022066886
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,001.00 (+3.95%) Homeowner's exemption Veteran's exemption$159,671 (+5.99%)$364,000 (-2.39%) Land $75,000 Building $289,000
2024$1,925.00 (+3.27%)
2023$1,864.00 (+4.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$150,653 (+3%)$372,900 (+19.94%) Land $65,000 Building $307,900
2022$1,786.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$146,266$310,900 Land $60,000 Building $250,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
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

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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 402 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Verizon.

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