2925 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2925 Clay Whaley Rd, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,890 sqft · built 1996
Lot Size	5.08 acres (221,371 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,853 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-26-30-0000-0056-0000`

Property Details

APN / Parcel Number

Primary APN	`17-26-30-0000-0056-0000`
Alternative APNs	`263017000000560000` `86209`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	3,688 sqft
1st Floor Area	1,890 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	221,371 sqft (5.08 acres)
Garage Type	Attached
Garage Area	930 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	248 sqft
Patio Area	525 sqft
Shed	1 Shed
Shed Area	64 sqft
Stable	480 sqft
Pole Barn	1,344 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2925 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1175 FT OF WLY 188.6 FT OF E 377.2 FT OF E 1/2 OF SE 1/4 OF SEC 17, T 26, R 30 LESS S 20 FT FOR RD R/W
Legal Range	30E
Legal Township	26S
Legal Section	17
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	56
Legal Lot Number	56
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 17-26-30-0000-0056-0000

Assessment roll updated November 26, 2025 · Last verified April 2026

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 File
Mailing Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGEFIRST LNDG INC
Apr 11, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 05, 2023
Transfer Doc	0063841799
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2026
Property Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Document Number	0000062527
Book / Page	6970 / 863
Instrument Date	Apr 01, 2026
Instrument	202662527
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062527,
Date	May 12, 2026
Book Page	6970/863
Instrument	202662527

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2023
Property Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Document Number	0063841799
Book / Page	6384 / 1799
Instrument Date	Apr 05, 2023
Instrument	2023040457
Transaction Type	Transfer
Record Updated	May 05, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2925 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Investor	Possibly a Property Investor

Mortgage

Document Number	0063841801
Date	Apr 11, 2023
Instrument	6384/1801

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,853.00 (+5.19%) Homeowner's exemption	$267,519 (+5.99%)	$397,400 (+1.22%) Land $124,800 Building $272,600
2024	$3,663.00 (+2.18%)
2023	$3,585.00 (+4.22%) Homeowner's exemption	$252,408 (+3%)	$392,600 (+12.82%) Land $124,800 Building $267,800
2022	$3,440.00 Homeowner's exemption	$245,057	$348,000 Land $116,500 Building $231,500

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 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 136 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022, other causes, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire Risk	High above 83% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 164 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Clay Whaley Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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