2845 Shelburne Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2845 Shelburne Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 2014
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Dec 2018)
Tax Bill	$5,710 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0157-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0157-0001-0080`
Alternative APN	`263119015700010080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	2,633 sqft
1st Floor Area	2,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2845 SHELBURNE WAY
City	SAINT CLOUD
State	FL
Zip	34772-8909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 1 PB 22 PG 75-83 LOT 8
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 1
Legal Phase	1
Legal Tract	157
Legal Block	80
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43304

Owner

Source: Osceola County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 7, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 4, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 6, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 28, 2018	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Prior Sale	May 12, 2014 · Amount on Record
Deed Document Number	2018188613
Deed Book / Page	5455 / 2240
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909

Mortgage

Document Number	0064310930
Date	Jun 27, 2023
Book Page	6431/930
Instrument	2023082783

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909

Mortgage

Document Number	0062961168
Date	Oct 7, 2022
Book Page	6296/1168
Instrument	2022149365

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Sep 1, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909

Mortgage

Document Number	0066892246
Date	Nov 4, 2024
Book Page	6689/2246
Instrument	2024139669

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Sep 1, 2051

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909

Mortgage

Document Number	0066121895
Date	Jun 6, 2024
Book Page	6612/1895
Instrument	2024074607

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Sep 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2018
Property Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909
Document Number	0054552240
Book / Page	5455 / 2240
Map Reference	MB 22 PG 75-83
Instrument Date	Dec 21, 2018
Instrument	2018188613
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,757.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 CANOE CREEK RD, 4220, SAINT CLOUD, FL 34772-7462

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2845 SHELBURNE WAY, SAINT CLOUD, FL 34772-8909

Mortgage

Document Number	2018188614
Date	Dec 28, 2018
Instrument	2018188614

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,710.00 (+8.29%) Homeowner's exemption	$255,017 (+5.99%)	$337,800 (-0.71%) Land $73,500 Building $264,300
2023	$5,273.00 (+2.41%) Homeowner's exemption	$240,612 (+3%)	$340,200 (+15.79%) Land $63,000 Building $277,200
2022	$5,149.00 Homeowner's exemption	$233,604	$293,800 Land $57,800 Building $236,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Nearby Properties on Shelburne Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures