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2828 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2828 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 4,300 sqft · built 2009
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$554,000 (May 2023)
Tax Bill$11,453 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-3410

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-3410
Alternative APNs
  • 263015070000013410
  • 120705

Interior

Bedrooms6 Beds
Full Baths4 Baths
Stories2 Stories
Building Area4,300 sqft Living Area
Gross Area4,992 sqft
1st Floor Area2,424 sqft
Upper Floors Area1,876 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area252 sqft
Deck Area184 sqft
Patio Area184 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address2828 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 341
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block3410
Legal Lot Number341
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2021
Census Tract43208

Owner

2828 Lafayette Trace Dr is owned and occupied by two individuals who bought it in May 2023.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address2828 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
May 10, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Jul 15, 2020Intrafamily Transfer, Transfer · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 10, 2023 · Amount on File
Deed SaleMay 10, 2023 · Amount on File
Prior SaleJul 15, 2020
Deed Document Number202360026
Deed Book / Page6405 / 549
Prior Transfer DateJul 8, 2020
Prior Transfer Doc0057542937
Record UpdatedJun 8, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 10, 2023
Property Address2828 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number0064050549
Book / Page6405 / 549
Map ReferenceMB 16 PG 34-41
Instrument DateMay 9, 2023
Instrument2023060026
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyTHE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,878.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9065 JUPITER DR, SAINT CLOUD, FL 34773-9678

Transferred To (Grantee/Buyer)

NameVerified Name
Address2828 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
InvestorPossibly a Property Investor

Mortgage

Document Number0006405551
DateMay 10, 2023
Instrument6405/551
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2053

July 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 15, 2020
Property Address2828 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number0057542937
Book / Page5754 / 2937
Map ReferenceMB 16 PG 34-41
Instrument DateJul 8, 2020
Instrument2020092215
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyVYLLA LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2828 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719

Mortgage

Document Number0057542939
DateJul 15, 2020
Instrument5754/2939
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term181 Months
DueAug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 2828 Lafayette Trace Dr was $11,453 with a homeowner's exemption, down 3.8% from the year before.

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$11,453.00 (-3.85%) Homeowner's exemption$582,000 Land $85,000 Building $497,000$582,000 Land $85,000 Building $497,000
2024$11,911.00 (+149.65%)
2023$4,771.00 (+5.65%) Homeowner's exemption$218,143 (+3%)$532,800 (+11.02%) Land $75,000 Building $457,800
2022$4,516.00 Homeowner's exemption$211,790$479,900 Land $70,000 Building $409,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2828 Lafayette Trace Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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 File
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

Wildfire risk around 2828 Lafayette Trace Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% 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 288 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 / 50
Verizon
Fixed Wireless		300 / 20

May also be available: CenturyLink, Xfinity.

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