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2860 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2860 Lafayette Trace Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,325 sqft · built 2007
Lot Size0.265 acres (11,543 sqft)
OwnerIndividual Name on File
Last Sale$630,000 (May 2022)
Tax Bill$10,499 (2025)
Deeds & MortgagesJun 2026 Sale
May 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-3480

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-3480
Alternative APNs
  • 263015070000013480
  • 120712

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,325 sqft Living Area
Gross Area4,017 sqft
1st Floor Area2,697 sqft
Upper Floors Area628 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,543 sqft (0.265 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area294 sqft
PorchFinished/Open Porch
Porch Area292 sqft
Deck Area186 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address2860 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8719
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 348
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block3480
Legal Lot Number348
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2021
Census Tract43208

Owner

Source: Osceola County records · APN 15-26-30-0700-0001-3480

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 RecordIndividual Name on File
Mailing Address1133 TIMBER TRACE DR, WESLEY CHAPEL, FL 33543-6504
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2026Re-recorded Document, Transfer
NONE LISTED ON DOCUMENT
May 11, 2022Warranty Deed, Transfer · FHA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 11, 2022 · Amount on Record
Deed SaleMay 11, 2022 · Amount on Record
Prior SaleJul 02, 2007 · Amount on Record
Deed Document Number202274609
Deed Book / Page6211 / 2810
Last Transfer DateMay 14, 2026
Transfer Doc0069911741
Record UpdatedSep 20, 2026

June 2026: Re-recorded Document, Transfer

Document TypeRe-recorded Document
JurisdictionOSCEOLA FL
Recording DateJun 22, 2026
Property Address2860 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number0069911741
Book / Page6991 / 1741
Instrument DateMay 14, 2026
Instrument202681541
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address1133 TIMBER TRACE DR, WESLEY CHAPEL, FL 33543-6504

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 11, 2022
Property Address2860 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number0062112810
Book / Page6211 / 2810
Map ReferenceMB 16 PG 34-41
Instrument DateApr 27, 2022
Instrument2022074609
Transaction TypeTransfer
Record UpdatedMay 23, 2022
Title CompanyTHE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,410.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1716 DEVONSHIRE LN, 1716, SHOREWOOD, IL 60404-8177

Transferred To (Grantee/Buyer)

NameVerified Name
Address2860 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719

Mortgage

Document Number0062112812
DateMay 11, 2022
Instrument6211/2812
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$10,499.00 (+2.33%)$485,600 (+9.27%) Land $85,000 Building $400,600$485,600 (+9.27%) Land $85,000 Building $400,600
2024$10,260.00 (+6.79%)
2023$9,608.00 (+142.69%)$444,400 (+145.7%) Land $75,000 Building $369,400$444,400 (+10.3%) Land $75,000 Building $369,400
2022$3,959.00 Homeowner's exemption$180,871$402,900 Land $70,000 Building $332,900

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 41 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 50
VerizonFixed Wireless300 / 20
StarlinkSatellite (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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