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2837 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2837 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,445 sqft · built 2007
Lot Size0.22 acres (9,583 sqft)
Owner2 Company Names on Record
Last Sale$634,000 (Feb 2024)
Tax Bill$10,200 (2025)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-3550

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-3550
Alternative APNs
  • 263015070000013550
  • 120719

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,445 sqft Living Area
Gross Area4,353 sqft
1st Floor Area2,745 sqft
Upper Floors Area700 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
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 Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area288 sqft
PorchFinished/Open Porch
Porch Area508 sqft
Deck Area352 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address2837 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 355
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block3550
Legal Lot Number355
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2018
Census Tract43208

Owner

Source: Osceola County records, 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 Company Names on Record
Mailing Address2837 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 5, 2024 · Amount on Record
Deed SaleFeb 5, 2024 · Amount on Record
Prior SaleJun 9, 2011 · Amount on Record
Deed Document Number202414598
Deed Book / Page6544 / 963
Prior Transfer DateAug 5, 2011
Prior Transfer Doc0041671576
Record UpdatedJun 8, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 5, 2024
Property Address2837 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720
Document Number0065440963
Book / Page6544 / 963
Map ReferenceMB 16 PG 34-41
Instrument DateJan 26, 2024
Instrument2024014598
Transaction TypeTransfer
Record UpdatedFeb 13, 2024
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,438.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3180 SW 90TH ST, OCALA, FL 34476-6651

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2837 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8720

Mortgage

Document Number0006544968
DateFeb 5, 2024
Instrument6544/968
Lender
NameGEORGIAS OWN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2054
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateFeb 1, 2029
Change Frequency5 Years
Min Rate At Change3.62%
Max Rate At Change7.62%
Index5-Year TN
Max Rate10.6%

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$10,200.00 (+114.42%)$512,000 (+153.8%) Land $85,000 Building $427,000$512,000 (+9.24%) Land $85,000 Building $427,000
2024$4,757.00 (+6.3%)
2023$4,475.00 (+5.82%) Homeowner's exemption$201,736 (+3%)$468,700 (+10.2%) Land $75,000 Building $393,700
2022$4,229.00 Homeowner's exemption$195,861$425,300 Land $70,000 Building $355,300

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

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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