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2838 Wagon Wheel Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2838 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 Size7,405 sqft (0.17 acres)
OccupancyOwner Occupied
Last Sale$223,200 (2017)
Tax Bill$5,033.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-26-31-0158-0001-1800
Alternative APN
  • 263119015800011800

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 Area7,405 sqft (0.17 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area484 sqft Garage
Patio Area163 sqft Patio
Porch Area30 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address2838 WAGON WHEEL TRL
CitySAINT CLOUD
StateFL
Zip34772-8984
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 3 PB 23 PG 175-177 LOT 180
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 3
Legal Phase3
Legal Tract158
Legal Block1800
Legal Lot Number180
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1012
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0158-0001-1800

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 Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 06, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MORTGAGE CONNECT
Jun 23, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
WELLS FARGO BANK NA
Dec 13, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Dec 13, 2018Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK
Apr 17, 2017Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 17, 2017 · Amount on Record
Deed SaleApr 17, 2017 · Amount on Record
Deed Doc Number201756726
Deed Book / Page5133 / 433
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 06, 2026
Property Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
Document Number0000059709
Book / Page6967 / 659
Instrument DateApr 03, 2026
Instrument202659709
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984

Mortgage

Document Number0000059709,
DateMay 06, 2026
Book Page6967/659
Instrument202659709
Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term272 Months
DueJan 01, 2049
Interest
Rate6%
Max Rate-1%

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
Transaction TypeMortgage
Record UpdatedJul 08, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984

Mortgage

Document Number0059862926
DateJun 23, 2021
Book Page5986/2926
Instrument2021097894
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term331 Months
DueJan 01, 2049

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
Document Number0054570446
Instrument DateDec 13, 2018
Transaction TypeMortgage
Record UpdatedFeb 12, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address2838 WAGON WHEEL TRL ST CLOUD FL 347728984, ST CLOUD, FL 34772-8984

Mortgage

Document Number0054570446
DateJan 02, 2019
Book Page005457/000446
Instrument50
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2049

December 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
Document Number0054652321
Instrument DateDec 13, 2018
Transaction TypeMortgage
Record UpdatedFeb 05, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2838 WAGON WHEEL TRL ST CLOUD FL 347728984, ST CLOUD, FL 34772-8984

Mortgage

Document Number0054652321
DateJan 22, 2019
Book Page005465/002321
Instrument8293
Lender
NameWELLS FARGO BK
TypeBank
AddressDES MOINES, IA 50328
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 21, 2049
Interest
Rate4.75%

April 2017: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 17, 2017
Property Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984
Document Number0051330433
Book / Page5133 / 0433
Map ReferenceMB23 PG175
Instrument DateApr 14, 2017
Instrument2017056726
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,562.40
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
Address2838 WAGON WHEEL TRL, SAINT CLOUD, FL 34772-8984

Mortgage

Document Number0051330435
DateApr 17, 2017
Instrument5133/0435
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 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$5,322.00 (+5.74%) Homeowner's exemption$233,343 (+5.99%)$327,800 (-0.64%) Land $70,000 Building $257,800
2024$5,033.00 (+2.63%)
2023$4,904.00 (+2.34%) Homeowner's exemption$220,163 (+3%)$329,900 (+15.84%) Land $60,000 Building $269,900
2022$4,792.00 Homeowner's exemption$213,751$284,800 Land $55,000 Building $229,800

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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