2894 Mosshire Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2894 Mosshire Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 2022
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on Record
Last Sale	$409,930 (Jan 2023)
Tax Bill	$6,852 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2026 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0162-0001-5510`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0162-0001-5510`
Alternative APN	`263119016200015510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,307 sqft
1st Floor Area	1,696 sqft
Flooring	Carpet

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2894 MOSSHIRE CIR
City	SAINT CLOUD
State	FL
Zip	34772-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 5 PB 26 PGS 103-104 LOT 551
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 5
Legal Phase	5
Legal Lot Number	551
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43304

Owner

Source: Osceola County records, as of September 16, 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	6434 LAWRENCEVILLE HWY, TUCKER, GA 30084-1706
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 30, 2026	Deed in Lieu of Foreclosure, Foreclosure NONE LISTED ON DOCUMENT
Jan 12, 2023	Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2023 · Amount on Record
Deed Sale	Jan 12, 2023 · Amount on Record
Deed Document Number	20235027
Deed Book / Page	6344 / 540
Last Transfer Date	Dec 8, 2025
Transfer Doc	0000012995
Record Updated	Oct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2026
Property Address	2894 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602
Document Number	0000111578
Book / Page	7025 / 2561
Instrument Date	Aug 5, 2026
Instrument	2026111578
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6434 LAWRENCEVILLE HWY, TUCKER, GA 30084-1706
Investor	Possibly a Property Investor

July 2026: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2026
Property Address	2894 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602
Document Number	0000099550
Book / Page	7011 / 2917
Instrument Date	Mar 9, 2026
Instrument	202699550
Transaction Type	Foreclosure
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 12, 2023
Property Address	2894 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602
Document Number	0063440540
Book / Page	6344 / 540
Map Reference	MB 26 PG 103&104
Instrument Date	Jan 11, 2023
Instrument	2023005027
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2894 MOSSHIRE CIR, SAINT CLOUD, FL 34772-3602

Mortgage

Document Number	0006344542
Date	Jan 12, 2023
Instrument	6344/542

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$6,852.00 (-8.32%) Homeowner's exemption	$318,800 (-0.59%) Land $70,000 Building $248,800	$318,800 (-0.59%) Land $70,000 Building $248,800
2023	$7,474.00 (+272.58%)	$320,700 (+483.09%) Land $60,000 Building $260,700	$320,700 (+483.09%) Land $60,000 Building $260,700
2022	$2,006.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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