2856 Carriage Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2856 Carriage Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,955 sqft · built 1994
Lot Size	4.95 acres (216,014 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Apr 2020)
Tax Bill	$10,306 (2025)
Deeds & Mortgages	Apr 2020 Sale Dec 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`86245`

Property Details

APN / Parcel Number

Primary APN	`86245`
Alternative APN	`202630495000010260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,955 sqft Heated Area
Gross Area	3,095 sqft
1st Floor Area	1,739 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	216,014 sqft (4.95 acres)
Garage Type	Finished
Garage Area	484 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	302 sqft
Patio Area	1,468 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft
Quonset Hut	4,000 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86245
Street Address	2856 CARRIAGE CT
City	SAINT CLOUD
State	FL
Zip	34772-7464
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	S L & I C PB B PG 7 LOT 26
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	KISSIMMEE PARK
Legal Tract	4950
Legal Block	1
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2856 CARRIAGE CT, SAINT CLOUD, FL 34772-7464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Grant Deed, Transfer BUYERS TITLE
Dec 17, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on File
Deed Sale	Apr 7, 2020 · Amount on File
Prior Sale	Dec 17, 2019
Deed Document Number	2020047976
Deed Book / Page	5704 / 2945
Record Updated	Jun 8, 2026

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2020
Property Address	2856 CARRIAGE CT, SAINT CLOUD, FL 34772-7464
Document Number	0057042945
Book / Page	005704 / 002945
Instrument Date	Apr 1, 2020
Instrument	47976
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	BUYERS TITLE

Transaction

Amount	Amount on Record
Tax	$2,275.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2856 CARRIAGE CT ST CLOUD FL 347727464, ST CLOUD, FL 34772-7464

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2019
Property Address	2856 CARRIAGE CT, SAINT CLOUD, FL 34772-7464
Document Number	0056420323
Book / Page	005642 / 000323
Instrument Date	Dec 3, 2019
Instrument	163420
Transaction Type	Foreclosure
Record Updated	Jan 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	2856 CARRIAGE CT ST CLOUD FL 347727464, ST CLOUD, FL 34772-7464

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,306.00 (+69.73%) Homeowner's exemption	$681,890 (+57.65%)	$931,900 (+74.91%) Land $235,600 Building $696,300
2023	$6,072.00 (+26.45%) Homeowner's exemption	$432,536 (+21.43%)	$532,800 (+36.69%) Land $235,600 Building $297,200
2022	$4,802.00 Homeowner's exemption	$356,198	$389,800 Land $131,900 Building $257,900

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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