3032 Prospect Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3032 Prospect Trl, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,762 sqft · built 2024
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Oct 2024)
Tax Bill	$12,342 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022531553800011450`

Property Details

APN / Parcel Number

Primary APN	`022531553800011450`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,762 sqft Heated Area
Gross Area	5,033 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3032 PROSPECT TRL
City	SAINT CLOUD
State	FL
Zip	34771-8962
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 145
Legal Phase	2
Legal Lot Number	145
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records · APN 022531553800011450

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	3032 PROSPECT TRL, SAINT CLOUD, FL 34771-8962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 07, 2024 · Amount on Record
Deed Sale	Oct 07, 2024 · Amount on Record
Deed Document Number	2024127954
Deed Book / Page	6675 / 2644
Record Updated	Jun 08, 2026

October 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 07, 2024
Property Address	3032 PROSPECT TRL, SAINT CLOUD, FL 34771-8962
Document Number	0066752644
Book / Page	6675 / 2644
Map Reference	MB 32 PG 72-94
Instrument Date	Sep 30, 2024
Instrument	2024127954
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	$4,970.00
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	3032 PROSPECT TRL, SAINT CLOUD, FL 34771-8962

Mortgage

Document Number	2024127955
Date	Oct 07, 2024
Instrument	2024127955

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	$12,342.00 (+322.09%)	$695,700 (+827.6%) Land $90,000 Building $605,700	$695,700 (+827.6%) Land $90,000 Building $605,700
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 293 of 330 on primary residences
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Flood Events	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.