2861 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2861 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,383 sqft · built 2012
Lot Size	0.235 acres (10,280 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Nov 2012)
Tax Bill	$7,743 (2025)
Deeds & Mortgages	Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`120670`

Property Details

APN / Parcel Number

Primary APN	`120670`
Alternative APN	`152630070000013060`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,383 sqft Heated Area
Gross Area	5,390 sqft
1st Floor Area	1,901 sqft
Upper Floors Area	2,482 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,280 sqft (0.235 acres)
Garage Type	Finished
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	418 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120670
Street Address	2861 LAFAYETTE TRACE DR
City	SAINT CLOUD
State	FL
Zip	34772-8721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 306
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	306
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records · APN 120670

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
Mailing Address	2861 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 21, 2012 · Amount on Record
Deed Sale	Nov 21, 2012 · Amount on Record
Prior Sale	Nov 21, 2012 · Amount on Record
Deed Document Number	0043542809
Deed Book / Page	4354 / 2809
Last Transfer Date	Jan 28, 2019
Transfer Doc	0054682497
Record Updated	Jun 08, 2026

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2019
Property Address	2861 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Document Number	0054682497
Book / Page	005468 / 002497
Instrument Date	Jan 16, 2019
Instrument	11266
Transaction Type	Transfer
Record Updated	Feb 07, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2861 LAFAYETTE TRACE DR ST CLOUD FL 347728721, ST CLOUD, FL 34772-8721

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	$7,743.00 (+7.39%) Homeowner's exemption	$374,767 (+5.99%)	$587,500 (+9.18%) Land $85,000 Building $502,500
2023	$7,210.00 (+4.71%) Homeowner's exemption	$353,599 (+3%)	$538,100 (+11.02%) Land $75,000 Building $463,100
2022	$6,886.00 Homeowner's exemption	$343,300	$484,700 Land $70,000 Building $414,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies, Xfinity.

Based on FCC filings for 288 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.