3108 Wauseon Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3108 Wauseon Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$316,700 (Aug 2021)
Tax Bill	$6,033 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631344300010910`

Property Details

APN / Parcel Number

Primary APN	`202631344300010910`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,870 sqft Heated Area
Gross Area	2,632 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3108 WAUSEON DR
City	SAINT CLOUD
State	FL
Zip	34772-8968
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 1 PB 27 PGS 18-23 LOT 91
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	1
Legal Tract	3443
Legal Lot Number	91
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 202631344300010910

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
Co-owner	Verified Secondary Owner
Mailing Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Aug 10, 2021	Special Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC
Dec 11, 2020	Grant Deed, Transfer TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Deed Document Number	2021123702
Deed Book / Page	6019 / 2743
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968
Transaction Type	Mortgage
Record Updated	Dec 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968

Mortgage

Document Number	0065072178
Date	Nov 20, 2023
Book Page	6507/2178
Instrument	2023152577

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Apr 25, 2053

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2021
Property Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968
Document Number	0060192743
Book / Page	6019 / 2743
Map Reference	MB 27 PG 18-23
Instrument Date	Aug 09, 2021
Instrument	2021123702
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,216.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968

Mortgage

Document Number	0060192745
Date	Aug 10, 2021
Instrument	6019/2745

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 11, 2020
Property Address	3108 WAUSEON DR, SAINT CLOUD, FL 34772-8968
Document Number	0058492674
Book / Page	005849 / 002674
Instrument Date	Dec 09, 2020
Instrument	168697
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$4,943.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223
Investor	Possibly a Property Investor

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
Municipality	St. Cloud City
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	$6,033.00 (+6.87%) Homeowner's exemption	$310,250 (+5.99%)	$334,200 (+0.81%) Land $75,000 Building $259,200
2023	$5,645.00 (+2.73%) Homeowner's exemption	$292,726 (+3%)	$331,500 (+16.64%) Land $70,000 Building $261,500
2022	$5,495.00 Homeowner's exemption	$284,200 Land $60,000 Building $224,200	$284,200 Land $60,000 Building $224,200

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 120970433011, 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 508 per year
Exposure	Direct burnable vegetation at the parcel

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 147 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Lumen Technologies, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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