FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$1,841.26
Amount Accuracy
Confirmed
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
2833 MOSSHIRE CIR ST CLOUD FL 347723603, ST CLOUD, FL 34772-3603
Mortgage
Document Number
54450060
Date
Dec 6, 2018
Book Page
005445/000060
Instrument
179002
Lender
Name
KBHS HM LNS LLC
Address
IRVING, TX 75063
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Dec 5, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 2821 Mosshire Cir was $7,870, up 2.7% from the year before.
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
$7,870.00 (+2.67%)
$332,600Land $70,000Building $262,600
$332,600Land $70,000Building $262,600
2024
$7,665.00 (-0.93%)
2023
$7,737.00 (+48.62%)
$335,100 (+41.56%)Land $60,000Building $275,100
$335,100 (+15.79%)Land $60,000Building $275,100
2022
$5,206.00Homeowner's exemption
$236,716
$289,400Land $55,000Building $234,400
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 2821 Mosshire Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 File 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
Wildfire risk around 2821 Mosshire Cir is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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