Osceola County property record for 2928 Garden Trail Bend, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $704,100 (May 2025) |
| Tax Bill | $4,119 (2025) |
| Deeds & Mortgages | May 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-25-31-5541-0001-1020 |
| Primary APN | 01-25-31-5541-0001-1020 |
|---|---|
| Alternative APN |
|
| Lot Area | 6,534 sqft (0.15 acres) |
|---|
| Street Address | 2928 GARDEN TRAIL BND |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-5300 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | WESLYN PARK PH 4-1B & 4-1C PB 35 PGS 115-136 LOT 102 |
| Legal Subdivision | WESLYN PARK PHASES 41B AND 41C |
| Legal Lot Number | 102 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 43801 |
2928 Garden Trail Bend, vacant land, is owned and occupied by two individuals who bought it in May 2025.
Source: Osceola County records, as of June 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2928 GARDEN TRAIL BND, SAINT CLOUD, FL 34771-5300 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2025 · Amount on File |
| Deed Sale | May 29, 2025 · Amount on File |
| Deed Document Number | 202567173 |
| Deed Book / Page | 6794 / 2369 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2928 GARDEN TRAIL BND, SAINT CLOUD, FL 34771-5300 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2967 VOYAGER AVE, SAINT CLOUD, FL 34771-9388 |
| Document Number | 0067942371 |
|---|---|
| Date | May 29, 2025 |
| Book Page | 6794/2371 |
| Instrument | 2025067174 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
The 2025 property tax bill for 2928 Garden Trail Bend was $4,119.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,119.00 | $90,000 Land $90,000 | $90,000 Land $90,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2928 Garden Trail Bend in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 64 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 64 in force |
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 risk around 2928 Garden Trail Bend is extreme, ranking above 95% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Extreme above 95% of the US · above 90% of Florida |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
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