2884 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2884 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,385 sqft · built 2007
Lot Size	0.267 acres (11,630 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Sep 2007)
Tax Bill	$4,555 (2025)
Deeds & Mortgages	Jul 2026 Transfer Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-30-0700-0001-3520`

Property Details

APN / Parcel Number

Primary APN	`15-26-30-0700-0001-3520`
Alternative APNs	`263015070000013520` `120716`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,385 sqft Living Area
Gross Area	4,740 sqft
1st Floor Area	2,820 sqft
Upper Floors Area	565 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,630 sqft (0.267 acres)
Garage Type	Attached
Garage Area	641 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	714 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	2884 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 352
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	3520
Legal Lot Number	352
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	43208

Owner

Source: Osceola County records, as of August 6, 2026

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

Owner of Record	Company Name on Record
Mailing Address	2884 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2007 · Amount on Record
Deed Sale	Sep 20, 2007 · Amount on Record
Prior Sale	Sep 14, 2006 · Amount on Record
Deed Document Number	2007172517
Deed Book / Page	3565 / 264
Last Transfer Date	Jul 27, 2026
Transfer Doc	0000098392
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2026
Property Address	2884 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Document Number	0000098392
Book / Page	7010 / 1723
Instrument Date	Jul 27, 2026
Instrument	202698392
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2884 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2884 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052571858
Date	Dec 20, 2017
Book Page	5257/1858
Instrument	2017181539

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2884 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	0056371754
Date	Dec 10, 2019
Book Page	5637/1754
Instrument	2019159633

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Oct 11, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$4,555.00 (+9.39%) Homeowner's exemption	$196,608 (+6.59%)	$504,300 (+11.03%) Land $85,000 Building $419,300
2023	$4,164.00 (+6.06%) Homeowner's exemption	$184,460 (+3%)	$454,200 (+10.83%) Land $75,000 Building $379,200
2022	$3,926.00 Homeowner's exemption	$179,088	$409,800 Land $70,000 Building $339,800

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.

Nearby Properties on Lafayette Trace Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures