2868 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2868 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,256 sqft · built 2008
Lot Size	0.239 acres (10,410 sqft)
Owner	Company Name on File
Last Sale	$242,500 (Aug 2008)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	May 2026 Sale Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-3500`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-3500`
Alternative APNs	`263015070000013500` `120714`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,256 sqft Living Area
Gross Area	3,051 sqft
1st Floor Area	2,256 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,410 sqft (0.239 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	360 sqft
Porch	Florida Room
Porch Area	395 sqft
Deck Area	454 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2868 LAFAYETTE TRACE DR
City	SAINT CLOUD
State	FL
Zip	34772-8719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	STEVENS PLANTATION PB 16 PGS 34-41 LOT 350
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	3500
Legal Lot Number	350
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	43208

Owner

2868 Lafayette Trace Dr is owned by a company that acquired it in April 2026 and is owner-occupied.

Source: Osceola County records, as of May 12, 2026

Owner of Record	Company Name on File
Mailing Address	2868 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 2, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2008 · Amount on File
Deed Sale	Aug 6, 2008 · Amount on File
Deed Document Number	2008127153
Deed Book / Page	3721 / 817
Last Transfer Date	Apr 10, 2026
Transfer Doc	0000058091
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2026
Property Address	2868 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number	0000058091
Book / Page	6965 / 467
Instrument Date	Apr 10, 2026
Instrument	202658091
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	2868 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Investor	Possibly a Property Investor

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2868 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052431730
Date	Nov 22, 2017
Book Page	5243/1730
Instrument	2017167254

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2032

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2868 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055001563
Date	Apr 2, 2019
Book Page	5500/1563
Instrument	2019040627

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2868 Lafayette Trace Dr was $3,880 with a homeowner's exemption, up 2% from the year before.

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,880.00 (+2%) Homeowner's exemption	$158,896	$388,800 Land $85,000 Building $303,800
2024	$3,804.00 (+7.4%)
2023	$3,542.00 (+6.62%) Homeowner's exemption	$149,921 (+3%)	$354,800 (+9.51%) Land $75,000 Building $279,800
2022	$3,322.00 Homeowner's exemption	$145,555	$324,000 Land $70,000 Building $254,000

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

Flood

FEMA maps place 2868 Lafayette Trace Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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

Wildfire risk around 2868 Lafayette Trace Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, 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 288 locations within half a mile, as of December 31, 2025

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: CenturyLink, Xfinity.

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