Osceola County property record for 2851 Wagon Ct, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 5,584 sqft · built 2003 |
| Lot Size | 4.81 acres (209,523 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,325,000 (Mar 2026) |
| Tax Bill | $13,798 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-30-4950-0001-0200 |
| Primary APN | 20-26-30-4950-0001-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,584 sqft Living Area |
| Gross Area | 6,904 sqft |
| 1st Floor Area | 2,938 sqft |
| Upper Floors Area | 2,646 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 209,523 sqft (4.81 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 336 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 1,034 sqft |
| Deck Area | 875 sqft |
| Pole Barn | 2,400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2851 WAGON CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 7 LOT 20 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 200 |
| Legal Lot Number | 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43209 |
Source: Osceola County records · APN 20-26-30-4950-0001-0200
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage VERUS RESIDENTIAL LOANCO LLC |
| Apr 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage WALL STREET MORTGAGE BANKERS LTD |
| May 08, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Jul 19, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Sep 29, 2020 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2026 · Amount on Record |
| Deed Sale | Mar 11, 2026 · Amount on Record |
| Prior Sale | Apr 14, 2022 · Amount on Record |
| Deed Document Number | 202631328 |
| Deed Book / Page | 6934 / 2484 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2026 |
| Property Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Document Number | 0069342484 |
| Book / Page | 6934 / 2484 |
| Map Reference | MB B PG 7 |
| Instrument Date | Mar 04, 2026 |
| Instrument | 2026031328 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1031 EXCHANGE PL STE 108, 108, SAINT CLOUD, FL 34769-4781 |
| Name | Verified Name |
|---|---|
| Address | 11 LOWER ROAD, UNITED KINGDOM XX |
| Document Number | 0069342486 |
|---|---|
| Date | Mar 11, 2026 |
| Instrument | 6934/2486 |
| Name | VERUS RESIDENTIAL LOANCO LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 14, 2022 |
| Property Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Document Number | 0061940598 |
| Book / Page | 6194 / 598 |
| Map Reference | MB B PG 7 |
| Instrument Date | Apr 04, 2022 |
| Instrument | 2022059520 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7000 W PALMETTO PARK RD STE 409, 7000, BOCA RATON, FL 33433-3425 |
| Name | Verified Name |
|---|---|
| Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Document Number | 0006194600 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 6194/600 |
| Name | WALL STREET MORTGAGE BANKERS LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 01, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053292413 |
|---|---|
| Date | May 08, 2018 |
| Book Page | 5329/2413 |
| Instrument | 2018072909 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Mar 19, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 19, 2021 |
| Property Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Document Number | 0060041082 |
| Book / Page | 6004 / 1082 |
| Map Reference | MB B PG 7 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 2021111162 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2881 WAGON CT, 2881, SAINT CLOUD, FL 34772-7677 |
| Name | Verified Name |
|---|---|
| Address | 7000 W PALMETTO PARK RD STE 409, 409, BOCA RATON, FL 33433-3425 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 29, 2020 |
| Property Address | 2851 WAGON CT, SAINT CLOUD, FL 34772-7677 |
| Document Number | 0058020273 |
| Book / Page | 005802 / 000273 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 130213 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Amount | Amount Recorded |
|---|---|
| Tax | $487.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2851 WAGON CT ST CLOUD FL 347727677, ST CLOUD, FL 34772-7677 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $13,798.00 (+1.01%) Homeowner's exemption | $985,400 (+1.99%) Land $228,500 Building $756,900 | $985,400 (+1.99%) Land $228,500 Building $756,900 |
| 2024 | $13,660.00 (+0.79%) | ||
| 2023 | $13,553.00 (+17.7%) Homeowner's exemption | $966,200 (+27.53%) Land $228,500 Building $737,700 | $966,200 (+27.53%) Land $228,500 Building $737,700 |
| 2022 | $11,515.00 | $757,600 Land $127,900 Building $629,700 | $757,600 Land $127,900 Building $629,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, 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 136 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force 111 of 136 on primary residences |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022, other causes, Hurricane Ian |
| Flood Events |
|
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 171 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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