2978 Parkfield Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2978 Parkfield Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,098 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$273,800 (Jul 2020)
Tax Bill	$3,591 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631021500011380`

Property Details

APN / Parcel Number

Primary APN	`192631021500011380`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,098 sqft Heated Area
Gross Area	2,749 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2978 PARKFIELD RD
City	SAINT CLOUD
State	FL
Zip	34772-9064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY GROVE PH 2 PB 28 PGS 50-52 LOT 138
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	HICKORY GROVE
Legal Phase	2
Legal Tract	215
Legal Lot Number	138
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43304

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
Mailing Address	2978 PARKFIELD RD, SAINT CLOUD, FL 34772-9064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Jul 20, 2020	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Deed Document Number	2020094294
Deed Book / Page	5757 / 2489
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2978 PARKFIELD RD, SAINT CLOUD, FL 34772-9064
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 PARKFIELD RD, SAINT CLOUD, FL 34772-9064

Mortgage

Document Number	0069041320
Date	Jan 7, 2026
Book Page	6904/1320
Instrument	2026002055

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2020
Property Address	2978 PARKFIELD RD, SAINT CLOUD, FL 34772-9064
Document Number	0057572489
Book / Page	005757 / 002489
Instrument Date	Jul 15, 2020
Instrument	94294
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,917.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 PARKFIELD RD ST CLOUD FL 347729064, ST CLOUD, FL 34772-9064

Mortgage

Document Number	57572491
Date	Jul 20, 2020
Book Page	005757/002491
Instrument	94295

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,591.00 (+6.31%) Homeowner's exemption	$243,514 (+5.99%)	$360,100 (-5.66%) Land $75,000 Building $285,100
2023	$3,378.00 (+4.55%) Homeowner's exemption	$229,760 (+3.77%)	$381,700 (+29.83%) Land $70,000 Building $311,700
2022	$3,231.00 Homeowner's exemption	$221,418	$294,000 Land $55,000 Building $239,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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