Osceola County property record for 2840 Lafayette Trace Dr, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,032 sqft · built 2009 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $615,000 (Sep 2025) |
| Tax Bill | $6,580 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2025 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-3440 |
| Primary APN | 15-26-30-0700-0001-3440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,032 sqft Living Area |
| Gross Area | 3,694 sqft |
| 1st Floor Area | 1,320 sqft |
| Upper Floors Area | 1,712 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 222 sqft |
| Deck Area | 741 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2840 LAFAYETTE TRACE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 344 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 3440 |
| Legal Lot Number | 344 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 43208 |
Source: Osceola County records · APN 15-26-30-0700-0001-3440
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Sep 16, 2025 | Correction Deed UNKNOWN, TRINITY CLOSINGS LLC |
| Sep 16, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP |
| Jun 29, 2018 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 16, 2025 · Amount on Record |
| Deed Sale | Sep 16, 2025 · Amount on Record |
| Prior Sale | Jun 29, 2018 · Amount on Record |
| Deed Document Number | 2025114837 |
| Deed Book / Page | 6850 / 97 |
| Prior Transfer Date | Mar 20, 2025 |
| Prior Transfer Doc | 0067651922 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | AMERICAN TITLR AND TRUST, AMERICAN TITLE TRUST |
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 0061222883 |
|---|---|
| Date | Jan 05, 2022 |
| Book Page | 6122/2883 |
| Instrument | 2022002613 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 16, 2025 |
| Property Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 0068500095 |
| Book / Page | 6850 / 95 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025114836 |
| Record Updated | Nov 05, 2025 |
| Title Company | UNKNOWN, TRINITY CLOSINGS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 16, 2025 |
| Property Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 0068500097 |
| Book / Page | 6850 / 97 |
| Map Reference | MB 16 PG 34-41 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025114837 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | TRINITY CLOSINGS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,305.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10826 LAXTON ST, ORLANDO, FL 32824-4424 |
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 0000685099 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 6850/99 |
| Name | HOMEXPRESS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2018 |
| Property Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 0053582743 |
| Book / Page | 5358 / 2743 |
| Map Reference | MB16 PG34-41 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 2018100115 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | SMART INTERNATIONAL TITLE LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,239.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, 2840, SAINT CLOUD, FL 34772-8719 |
| Name | Verified Name |
|---|---|
| Address | 2840 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719 |
| Document Number | 2018100116 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 2018100116 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,580.00 (+2.46%) | $309,780 (+2.9%) | $460,000 (+2.18%) Land $85,000 Building $375,000 |
| 2024 | $6,422.00 (+5.18%) Homeowner's exemption | $301,050 (+3%) | $450,200 (+7.01%) Land $85,000 Building $365,200 |
| 2023 | $6,106.00 (+5.04%) Homeowner's exemption | $292,282 (+3%) | $420,700 (+9.73%) Land $75,000 Building $345,700 |
| 2022 | $5,813.00 Homeowner's exemption | $283,769 | $383,400 Land $70,000 Building $313,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020, other causes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 288 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum, Lumen Technologies, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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