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2877 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2877 Lafayette Trace Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,030 sqft · built 2010
Lot Size0.242 acres (10,585 sqft)
Owner2 Individual Names on File
Last Sale$305,000 (Nov 2017)
Tax Bill$4,219 (2025)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN120674

Property Details

APN / Parcel Number

Primary APN120674
Alternative APN
  • 152630070000013100

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,030 sqft Heated Area
Gross Area2,899 sqft
1st Floor Area2,030 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,585 sqft (0.242 acres)
Garage TypeFinished
Garage Area648 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area221 sqft
Patio Area1,010 sqft
FenceFence
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number120674
Street Address2877 LAFAYETTE TRACE DR
CitySAINT CLOUD
StateFL
Zip34772-8721
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTEVENS PLANTATION PB 16 PGS 34-41 LOT 310
Legal Range30E
Legal Township26S
Legal Section15
Legal SubdivisionSTEVENS PLANTATION
Legal Tract700
Legal Block1
Legal Lot Number310
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2000
Census Tract43208

Owner

Source: Osceola County records · APN 120674

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 Record2 Individual Names on File
Mailing Address2877 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 28, 2017 · Amount on Record
Deed SaleNov 28, 2017 · Amount on Record
Prior SaleMar 29, 2011 · Amount on Record
Deed Document Number2017168561
Deed Book / Page5244 / 2822
Record UpdatedJun 08, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2877 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057831675
DateAug 31, 2020
Book Page5783/1675
Instrument2020114612
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueSep 01, 2045

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,219.00 (+12.21%) Homeowner's exemption$177,871 (+9.77%)$354,500 (+11.51%) Land $85,000 Building $269,500
2023$3,760.00 (+6.4%) Homeowner's exemption$162,037 (+3%)$317,900 (+10.46%) Land $75,000 Building $242,900
2022$3,534.00 Homeowner's exemption$157,318$287,800 Land $70,000 Building $217,800

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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