3020 Prospect Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3020 Prospect Trl, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	4 Baths
Year Built	Built 2024
Square Footage	2,788 sqft Heated Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$694,789 (2024)
Tax Bill	$10,890.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`022531553800011470`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Partial Baths	1 Partial Baths
Building Area	2,788 sqft Heated Area
Gross Area	3,773 sqft Gross Area
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached - Finished Garage
Porch	Open Porch
Porch Area	215 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3020 PROSPECT TRL
City	SAINT CLOUD
State	FL
Zip	34771-8962
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 147
Legal Phase	2
Legal Lot Number	147
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records · APN 022531553800011470

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	3020 PROSPECT TRL, SAINT CLOUD, FL 34771-8962
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 08, 2024 · Amount on Record
Deed Sale	May 08, 2024 · Amount on Record
Deed Doc Number	2024060766
Deed Book / Page	6597 / 26
Record Refreshed	Jun 08, 2026

May 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 08, 2024
Property Address	3020 PROSPECT TRL, SAINT CLOUD, FL 34771-8962
Document Number	0065970026
Book / Page	6597 / 26
Map Reference	MB 32 PG 72-94
Instrument Date	May 07, 2024
Instrument	2024060766
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,863.60
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1064 GREENWOOD BLVD STE 124, 124, LAKE MARY, FL 32746-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 PROSPECT TRL, SAINT CLOUD, FL 34771-8962

Mortgage

Document Number	2024060767
Date	May 08, 2024
Instrument	2024060767

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$10,890.00 (+324.07%)	$590,900 (+687.87%) Land $90,000 Building $500,900	$590,900 (+687.87%) Land $90,000 Building $500,900
2023	$2,568.00 (+13.08%)	$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 · 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	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; lenders make the official flood determination.