2848 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2848 Lafayette Trace Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,300 sqft · built 2008
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (May 2018)
Tax Bill	$7,165 (2025)
Deeds & Mortgages	May 2022 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120710`

Property Details

APN / Parcel Number

Primary APN	`120710`
Alternative APN	`152630070000013460`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,300 sqft Heated Area
Gross Area	5,252 sqft
1st Floor Area	2,424 sqft
Upper Floors Area	1,876 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	252 sqft
Deck Area	184 sqft
Patio Area	297 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120710
Street Address	2848 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 346
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	346
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	43208

Owner

Source: Osceola County records · APN 120710

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	2848 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Apr 08, 2020	Deed of Trust, Mortgage · Conventional Mortgage APEX HM LNS
May 25, 2018	Warranty Deed, Transfer · Conventional Mortgage LEADERONE FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	May 25, 2018
Deed Document Number	2018082372
Deed Book / Page	5339 / 2525
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2848 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Transaction Type	Mortgage
Record Updated	May 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2848 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719

Mortgage

Document Number	0062111116
Date	May 10, 2022
Book Page	6211/1116
Instrument	2022074206

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2848 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number	0057080320
Instrument Date	Apr 08, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	DOCPROBE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2848 LAFAYETTE TRACE DR ST CLOUD FL 347728719, ST CLOUD, FL 34772-8719

Mortgage

Document Number	0057080320
Date	Apr 14, 2020
Book Page	005708/000320
Instrument	50924

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 25, 2018
Property Address	2848 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number	0053392525
Book / Page	005339 / 002525
Instrument Date	May 14, 2018
Instrument	82372
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	LANDING TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3510 PAWLEYS LOOP S ST CLOUD FL 347697101, ST CLOUD, FL 34769-7101

Mortgage

Document Number	53392527
Date	May 25, 2018
Book Page	005339/002527
Instrument	82373

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,165.00 (+12.08%) Homeowner's exemption	$342,424 (+11.1%)	$595,000 (+12.09%) Land $85,000 Building $510,000
2023	$6,393.00 (+4.94%) Homeowner's exemption	$308,211 (+3%)	$530,800 (+11.09%) Land $75,000 Building $455,800
2022	$6,092.00 Homeowner's exemption	$299,234	$477,800 Land $70,000 Building $407,800

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Mobile Coverage

5G and 4G LTE

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