2949 Carriage Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2949 Carriage Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,751 sqft · built 1988
Lot Size	4.89 acres (213,183 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Jun 2018)
Tax Bill	$5,070 (2025)
Deeds & Mortgages	May 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`86253`

Property Details

APN / Parcel Number

Primary APN	`86253`
Alternative APN	`202630495000010430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,751 sqft Heated Area
Gross Area	2,677 sqft
1st Floor Area	1,751 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	213,183 sqft (4.89 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	448 sqft
Porch	Open Porch
Porch Area	485 sqft
Deck Area	371 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft
Stable	2,200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86253
Street Address	2949 CARRIAGE CT
City	SAINT CLOUD
State	FL
Zip	34772-7465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	S L & I C PB B PG 7 LOT 43
Legal Range	30E
Legal Township	26S
Legal Section	20
Legal Subdivision	KISSIMMEE PARK
Legal Tract	4950
Legal Block	1
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	19079 NW 77TH PL, HIALEAH, FL 33015-5257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Jun 20, 2018	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	Aug 29, 2003
Deed Document Number	2018095402
Deed Book / Page	5354 / 0134
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465

Mortgage

Document Number	0064020887
Date	May 5, 2023
Book Page	6402/887
Instrument	2023057175

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 25, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465
Transaction Type	Mortgage
Record Updated	Nov 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465

Mortgage

Document Number	0060730419
Date	Oct 26, 2021
Book Page	6073/419
Instrument	2021166424

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465

Mortgage

Document Number	0057772027
Date	Aug 20, 2020
Book Page	5777/2027
Instrument	2020109849

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2018
Property Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465
Document Number	0053540134
Book / Page	5354 / 0134
Map Reference	MB B PG7
Instrument Date	Jun 18, 2018
Instrument	2018095402
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2949 CARRIAGE CT, 2949, SAINT CLOUD, FL 34772-7465

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2949 CARRIAGE CT, SAINT CLOUD, FL 34772-7465

Mortgage

Document Number	2018095403
Date	Jun 20, 2018
Instrument	2018095403

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,070.00 (+6.89%) Homeowner's exemption	$355,384 (+5.99%)	$537,900 (+1.59%) Land $244,700 Building $293,200
2023	$4,743.00 (+3.9%) Homeowner's exemption	$335,310 (+3%)	$529,500 (+38.21%) Land $244,700 Building $284,800
2022	$4,565.00 Homeowner's exemption	$325,544	$383,100 Land $137,000 Building $246,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 136 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.6% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Carriage Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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