2956 Garden Trail Bend, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2956 Garden Trail Bend, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Mar 2026)
Tax Bill	$3,774 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-25-31-5541-0001-1090`

Property Details

APN / Parcel Number

Primary APN	`01-25-31-5541-0001-1090`
Alternative APN	`253101554100011090`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	2956 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 109
Legal Subdivision	WESLYN PARK PHASES 41B AND 41C
Legal Lot Number	109
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2017
Census Tract	43801

Owner

Source: Osceola County records, as of June 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2956 GARDEN TRAIL BND, SAINT CLOUD, FL 34771-5300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2026 · Amount on File
Deed Sale	Mar 3, 2026 · Amount on File
Prior Sale	Mar 21, 2025 · Amount on File
Deed Document Number	202628193
Deed Book / Page	6931 / 20
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 3, 2026
Property Address	2956 GARDEN TRAIL BND, SAINT CLOUD, FL 34771-5300
Document Number	0069310020
Book / Page	6931 / 20
Map Reference	MB 35 PG 115-136
Instrument Date	Feb 2, 2026
Instrument	2026028193
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 18, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2956 GARDEN TRAIL BND, SAINT CLOUD, FL 34771-5300

Mortgage

Document Number	0000693122
Date	Mar 3, 2026
Instrument	6931/22

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,774.00	$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.

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 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

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.

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.