2881 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2881 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,694 sqft · built 2009
Lot Size	0.242 acres (10,585 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Feb 2010)
Tax Bill	$4,107 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120675`

Property Details

APN / Parcel Number

Primary APN	`120675`
Alternative APN	`152630070000013110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,694 sqft Heated Area
Gross Area	3,261 sqft
1st Floor Area	1,161 sqft
Upper Floors Area	1,533 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.242 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	99 sqft
Deck Area	760 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	120675
Street Address	2881 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 311
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	311
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	2881 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · FHA Mortgage FIGURE LENDING LLC
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2010 · Amount on Record
Deed Sale	Feb 22, 2010 · Amount on Record
Deed Document Number	2010025086
Deed Book / Page	3951 / 2581
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2881 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721

Mortgage

Document Number	0068631804
Date	Oct 13, 2025
Book Page	6863/1804
Instrument	2025126551

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2055

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2881 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2881 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721

Mortgage

Document Number	0059132069
Date	Mar 17, 2021
Book Page	5913/2069
Instrument	2021039343

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Jun 1, 2046

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,107.00 (+9.29%) Homeowner's exemption	$171,588 (+5.99%)	$407,700 (+9.19%) Land $85,000 Building $322,700
2023	$3,758.00 (+6.4%) Homeowner's exemption	$161,897 (+3%)	$373,400 (+9.63%) Land $75,000 Building $298,400
2022	$3,532.00 Homeowner's exemption	$157,182	$340,600 Land $70,000 Building $270,600

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 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

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 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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