3005 Prospect Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3005 Prospect Trl, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,881 sqft · built 2024
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$559,900 (May 2024)
Tax Bill	$5,306 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-25-31-5538-0001-1530`

Property Details

APN / Parcel Number

Primary APN	`02-25-31-5538-0001-1530`
Alternative APN	`253102553800011530`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,881 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,881 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Florida Room
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3005 PROSPECT TRL
City	SAINT CLOUD
State	FL
Zip	34771-8961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 153
Legal Subdivision	WESLYN PARK PHASE 2
Legal Lot Number	153
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records · APN 02-25-31-5538-0001-1530

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Intrafamily Transfer, Transfer HOMETAP EQUITY PARTNERS LLC
May 06, 2024	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 06, 2024 · Amount on Record
Deed Sale	May 06, 2024 · Amount on Record
Prior Sale	Dec 16, 2022 · Amount on Record
Deed Document Number	202459726
Deed Book / Page	6595 / 2516
Last Transfer Date	Dec 13, 2025
Transfer Doc	0068970892
Record Updated	Jun 08, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 22, 2025
Property Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961
Document Number	0068970890
Book / Page	6897 / 890
Map Reference	MB 32 PG 72-94
Instrument Date	Dec 13, 2025
Instrument	2025155908
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	GOOD OWNER TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961

Mortgage

Document Number	0068970892
Date	Dec 22, 2025
Book Page	6897/892
Instrument	2025155909

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Mortgage Company
Address	BOSTON, MA 02116

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 18, 2035

May 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 06, 2024
Property Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961
Document Number	0065952516
Book / Page	6595 / 2516
Map Reference	MB 32 PG 72-94
Instrument Date	May 01, 2024
Instrument	2024059726
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,919.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3005 PROSPECT TRL, SAINT CLOUD, FL 34771-8961

Mortgage

Document Number	2024059727
Date	May 06, 2024
Instrument	2024059727

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Jun 01, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.7%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,306.00 (+42.75%)	$228,690 (+204.92%)	$430,500 (+474%) Land $90,000 Building $340,500
2024	$3,717.00 (+27.12%)
2023	$2,924.00 (+28.75%)	$75,000 (+15%) Land $75,000	$75,000 (+15%) Land $75,000
2022	$2,271.00	$30,000 Land $30,000	$30,000 Land $30,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	Very High above 95% of the US · above 90% of Florida
Wildfire Likelihood	About 1 in 68 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 155 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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