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2833 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2833 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,820 sqft · built 2007
Lot Size0.22 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$383,000 (May 2007)
Tax Bill$4,522 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-3560

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-3560
Alternative APNs
  • 263015070000013560
  • 120720

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,820 sqft Living Area
Gross Area3,565 sqft
1st Floor Area2,820 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.22 acres)
Lot Dimensions120 ft deep x 80 ft wide
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area509 sqft
PorchFinished/Open Porch
Porch Area304 sqft
Deck Area956 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2833 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8720
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 356
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block3560
Legal Lot Number356
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2018
Census Tract43208

Owner

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

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 Address2833 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 8, 2026Deed of Trust, Mortgage · Line of Credit
FLORIDA CREDIT UNION
Oct 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 4, 2007 · Amount on Record
Deed SaleMay 4, 2007 · Amount on Record
Deed Document Number200786590
Deed Book / Page3472 / 1516
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 8, 2026
Property Address2833 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720
Document Number0000060854
Book / Page6968 / 1384
Instrument DateMay 2, 2026
Instrument202660854
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2833 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720

Mortgage

Document Number0000060854,
DateMay 8, 2026
Book Page6968/1384
Instrument202660854
Lender
NameFLORIDA CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate6.46%
Max Rate-1%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2833 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2833 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720

Mortgage

Document Number0058150062
DateOct 19, 2020
Book Page5815/62
Instrument2020140642
Lender
NameMICHIGAN MUTUAL INC
TypeMortgage Company
AddressPORT HURON, MI 48060
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

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$4,522.00 (+2.15%) Homeowner's exemption$194,773 (+5.99%)$451,200 (+9.91%) Land $85,000 Building $366,200
2024$4,427.00 (+6.62%)
2023$4,152.00 (+6.08%) Homeowner's exemption$183,771 (+3%)$410,500 (+9.5%) Land $75,000 Building $335,500
2022$3,914.00 Homeowner's exemption$178,419$374,900 Land $70,000 Building $304,900

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

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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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: Lumen Technologies, Xfinity.

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