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2873 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2873 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,863 sqft · built 2012
Lot Size0.243 acres (10,585 sqft)
Owner2 Individual Names on Record
Last Sale$415,000 (Jun 2021)
Tax Bill$8,259 (2025)
Deeds & MortgagesMar 2026 Line of Credit
Jun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-26-30-0700-0001-3090

Property Details

APN / Parcel Number

Primary APN15-26-30-0700-0001-3090
Alternative APNs
  • 263015070000013090
  • 120673

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,863 sqft Living Area
Gross Area3,600 sqft
1st Floor Area1,721 sqft
Upper Floors Area1,142 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2012
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,585 sqft (0.243 acres)
Garage TypeAttached
Garage Area643 sqft
Parking Spaces2 Parking Spaces
PorchMetal Porch
Porch Area794 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2873 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8721
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 309
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block3090
Legal Lot Number309
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records, as of March 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2873 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2026Deed of Trust, Mortgage · Line of Credit
SPRING EQ LLC
Jun 14, 2021Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 14, 2021 · Amount on Record
Deed SaleJun 14, 2021 · Amount on Record
Prior SaleJul 5, 2012 · Amount on Record
Deed Document Number202192474
Deed Book / Page5980 / 2145
Record UpdatedJun 8, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2873 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Transaction TypeMortgage
Record UpdatedMar 30, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2873 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721

Mortgage

Document Number0069370548
DateMar 13, 2026
Book Page6937/548
Instrument2026033659
Lender
NameSPRING EQ LLC
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueApr 1, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 14, 2021
Property Address2873 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Document Number0059802145
Book / Page5980 / 2145
Map ReferenceMB 16 PG 34-41
Instrument DateJun 7, 2021
Instrument2021092474
Transaction TypeTransfer
Record UpdatedJul 6, 2021
Title CompanyFIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,905.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPARAISO DE MAYAGUEZ CALLE, MAYAGOEZ XX

Transferred To (Grantee/Buyer)

NameVerified Name
Address2873 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721

Mortgage

Document Number59802147
DateJun 14, 2021
Instrument5980/2147
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,259.00 (+2.61%) Homeowner's exemption$403,577 (+5.99%)$452,800 (+9.35%) Land $85,000 Building $367,800
2024$8,049.00 (+4.53%)
2023$7,700.00 (+4.61%) Homeowner's exemption$380,781 (+3%)$414,100 (+10.87%) Land $75,000 Building $339,100
2022$7,361.00 Homeowner's exemption$369,691$373,500 Land $70,000 Building $303,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
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

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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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