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2831 Wagon Wheel Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2831 Wagon Wheel Trl, Saint Cloud, FL 34772 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,894 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$235,000 (2019)
Tax Bill$5,099.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0158-0001-1330
Alternative APN
  • 263119015800011330

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,894 sqft Living Area
Gross Area2,408 sqft Gross Area
1st Floor1,894 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage
Porch Area30 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2831 WAGON WHEEL TRL
CitySAINT CLOUD
StateFL
Zip34772-8985
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 3 PB 23 PG 175-177 LOT 133
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 3
Legal Phase3
Legal Tract158
Legal Block1330
Legal Lot Number133
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1008
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0158-0001-1330

Assessment roll updated November 26, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingTenants In Common

Deeds, Mortgages & Sale History

DateDocument
May 05, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FIRST AMERICAN TITLE
May 22, 2023Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MIDFIRST BANK
Jul 06, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MIDLAND MORTGAGE
May 05, 2020Grant Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
HOME SOLUTION LENDERS
Aug 20, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Feb 10, 2018Deed of Trust, Mortgage · Veterans Administration Mortgage
LOW VA RATES LLC
Jul 19, 2017Grant Deed, Transfer · Veterans Administration Mortgage
KBHS HM LNS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 20, 2019 · Amount on Record
Deed SaleAug 20, 2019 · Amount on Record
Prior SaleJul 19, 2017 · Amount on Record
Deed Doc Number2019107919
Deed Book / Page5576 / 1500
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 05, 2026
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Document Number0000059338
Book / Page6966 / 2307
Instrument DateMar 12, 2026
Instrument202659338
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985

Mortgage

Document Number0000059338,
DateMay 05, 2026
Book Page6966/2307
Instrument202659338
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term478 Months
DueMar 01, 2066
Interest
Rate6.09%
Max Rate-1%

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Transaction TypeMortgage
Record UpdatedJun 06, 2023
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985

Mortgage

Document Number0064110392
DateMay 22, 2023
Book Page6411/392
Instrument2023065067
Lender
NameMIDFIRST BANK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term337 Months
DueJun 01, 2051

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985

Mortgage

Document Number0059951554
DateJul 06, 2021
Book Page5995/1554
Instrument2021104282
Lender
NameMIDLAND MORTGAGE
TypeMortgage Company
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term359 Months
DueJun 01, 2051

May 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMay 05, 2020
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Document Number0057181192
Book / Page005718 / 001192
Instrument DateMay 01, 2020
Instrument60777
Transaction TypeSubdivision Related Transfer
Record UpdatedJun 24, 2020
Title CompanyINNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,588.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2945 FIELDWOOD CIR ST CLOUD FL 347728845, ST CLOUD, FL 34772-8845

Mortgage

Document Number57181194
DateMay 05, 2020
Book Page005718/001194
Instrument60778
Lender
NameHOME SOLUTION LENDERS
TypeFunding / Finance Company
AddressBARTOW, FL 33830
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 04, 2050

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 20, 2019
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Document Number0055761500
Book / Page5576 / 1500
Map ReferenceMB 23 PG 175
Instrument DateAug 09, 2019
Instrument2019107919
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyPREMIER TITLE OF CTRL FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyRounded Values by County
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2831 WAGON WHEEL TRL, 2831, SAINT CLOUD, FL 34772-8985

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985

Mortgage

Document Number0055761502
DateAug 20, 2019
Instrument5576/1502
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Document Number0052870475
Instrument DateFeb 10, 2018
Transaction TypeMortgage
Record UpdatedMar 09, 2018
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL ST CLOUD FL 347728985, ST CLOUD, FL 34772-8985

Mortgage

Document Number0052870475
DateFeb 16, 2018
Book Page005287/000475
Instrument27111
Lender
NameLOW VA RATES LLC
AddressLINDON, UT 84042
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 15, 2048
Interest
Rate TypeAdjustable Rate
Rate3.12%

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJul 19, 2017
Property Address2831 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8985
Document Number0051812047
Book / Page005181 / 002047
Instrument DateJul 18, 2017
Instrument105274
Transaction TypeTransfer
Record UpdatedAug 14, 2017
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,742.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2831 WAGON WHEEL TRL ST CLOUD FL 347728985, ST CLOUD, FL 34772-8985

Mortgage

Document Number51812049
DateJul 19, 2017
Book Page005181/002049
Instrument105275
Lender
NameKBHS HM LNS LLC
AddressIRVING, TX 75063
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 18, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

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$5,390.00 (+5.71%) Homeowner's exemption$237,139 (+5.99%)$333,200 (-0.42%) Land $75,600 Building $257,600
2024$5,099.00 (+2.62%)
2023$4,969.00 (+2.37%) Homeowner's exemption$223,744 (+3%)$334,600 (+15.74%) Land $64,800 Building $269,800
2022$4,854.00 Homeowner's exemption$217,228$289,100 Land $59,400 Building $229,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 366 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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