2889 Lafayette Trace Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2889 Lafayette Trace Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 2013
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Feb 2018)
Tax Bill	$6,776 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120677`

Property Details

APN / Parcel Number

Primary APN	`120677`
Alternative APN	`152630070000013130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,087 sqft Heated Area
Gross Area	3,943 sqft
1st Floor Area	3,087 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Finished
Garage Area	587 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	269 sqft
Patio Area	400 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	120677
Street Address	2889 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 313
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	STEVENS PLANTATION
Legal Tract	700
Legal Block	1
Legal Lot Number	313
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	Individual Name on File
Mailing Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Nov 25, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 12, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 12, 2018 · Amount on Record
Deed Sale	Feb 12, 2018 · Amount on Record
Prior Sale	Feb 12, 2018 · Amount on Record
Deed Document Number	0052840902
Deed Book / Page	5284 / 0902
Last Transfer Date	Nov 25, 2019
Transfer Doc	0056292652
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721

Mortgage

Document Number	0058842049
Date	Feb 4, 2021
Book Page	5884/2049
Instrument	2021016342

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 25, 2019
Property Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Document Number	0056292652
Book / Page	005629 / 002652
Instrument Date	Nov 23, 2019
Instrument	153635
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11701 PARK LN S #B2L RICHMOND HILL NY 114181036, B2L, RICHMOND HILL, NY 11418-1036

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2018
Property Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Document Number	0052840902
Book / Page	5284 / 0902
Map Reference	MB16 PG34-41
Instrument Date	Feb 7, 2018
Instrument	2018023879
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1615 LAKESHORE BLVD, 1615, SAINT CLOUD, FL 34769-2269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2889 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8721
Investor	Possibly a Property Investor

Mortgage

Document Number	2018023880
Date	Feb 12, 2018
Instrument	2018023880

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	$6,776.00 (+4.49%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$337,371 (+5.99%)	$484,800 (+9.31%) Land $85,000 Building $399,800
2023	$6,485.00 (+3.61%) Homeowner's exemption Disabled Person's exemption	$318,314 (+3%)	$443,500 (+10.85%) Land $75,000 Building $368,500
2022	$6,259.00 Homeowner's exemption Disabled Person's exemption	$309,043	$400,100 Land $70,000 Building $330,100

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

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: Lumen Technologies, Xfinity.

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