2975 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2975 Clay Whaley Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	7.5 Baths
Year Built	Built 2009
Square Footage	9,465 sqft Living Area
Lot Size	856,389 sqft (19.6 acres)
Garage	Attached, 626 sqft
Last Sale	$1,720,000 (2019)
Tax Bill	$26,006.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0000-0120-0000`
Alternative APNs	`263016000001200000` `85292`

Interior

Bedrooms	5 Beds
Full Baths	7.5 Baths
Partial Baths	1 Partial Baths
Building Area	9,465 sqft Living Area
Gross Area	16,124 sqft Gross Area
1st Floor	4,702 sqft 1st Floor
Upper Floors	4,763 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Concrete Block Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	856,389 sqft (19.6 acres)
Parking Spaces	16 Parking Spaces
Garage Type	Attached Garage
Garage Area	626 sqft Garage

Exterior Amenities

Deck Area	140 sqft Deck
Patio Area	540 sqft Patio
Porch Area	1,634 sqft Porch
Boat Access	Boat Access
Pole Structure	2,800 sqft Pole Structure

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Central Heating

Location & Zoning

Street Address	2975 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7651
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	COM AT SW COR OF SW 1/4 OF 16-26-30, S89-36-17E 658.54 FT, N00-26-19W 20 FT TO PT ON N R/W LINE OF CLAY WHALEY RD, CONT N00-26-19W 387.01 FT TO POB; CONT N00-26-19W 921.82 FT, S89-35-57E 660.29 FT, S00-21-47E 868.19 FT, N90-00-00W 287.76 FT, S00-00-0
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	120
Legal Lot Number	120
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1004
Census Tract	43209

Owner

Source: Osceola County records · APN 16-26-30-0000-0120-0000

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	2300 GLADES RD, 410W, BOCA RATON, FL 33431-8556
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Aug 04, 2003 · Amount on Record
Deed Doc Number	201994436
Deed Book / Page	5560 / 2526
Last Transfer Date	Oct 31, 2025
Transfer Doc	0000140142
Record Refreshed	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2975 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7651
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060122614
Date	Jul 30, 2021
Book Page	6012/2614
Instrument	2021118166

Lender

Name	CELTIC BANK CORPORATION
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jul 22, 2046

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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	$29,708.00 (+14.24%)	$2,134,600 (+11.44%) Land $411,900 Building $1,722,700	$2,134,600 (+11.44%) Land $411,900 Building $1,722,700
2024	$26,006.00 (+5%)
2023	$24,768.00 (+12.38%)	$1,915,400 (+16.15%) Land $230,400 Building $1,685,000	$1,915,400 (+16.15%) Land $230,400 Building $1,685,000
2022	$22,040.00	$1,649,100 Land $215,100 Building $1,434,000	$1,649,100 Land $215,100 Building $1,434,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 78% of the US · above 67% of Florida
Wildfire Likelihood	About 1 in 166 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.