3244 Wauseon Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3244 Wauseon Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,152 sqft · built 2020
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Aug 2024)
Tax Bill	$7,809 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3444-0001-1640`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3444-0001-1640`
Alternative APN	`263120344400011640`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,152 sqft Living Area
Gross Area	3,730 sqft
1st Floor Area	1,348 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3244 WAUSEON DR
City	SAINT CLOUD
State	FL
Zip	34772-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 2 PB 27 PGS 30-32 LOT 164
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES PH 2
Legal Phase	2
Legal Lot Number	164
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of March 24, 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 Record
Mailing Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA
Mar 4, 2026	Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA
Oct 2, 2020	Special Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Apr 15, 2020	Loan Modification, Mortgage AMERICAN MOMENTUM BK
Apr 8, 2020	Grant Deed, Transfer TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2024 · Amount on Record
Deed Sale	Aug 14, 2024 · Amount on Record
Prior Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	2024105776
Deed Book / Page	6649 / 2509
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Transaction Type	Mortgage
Record Updated	Mar 25, 2026
Title Company	TP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970

Mortgage

Document Number	0069330785
Date	Mar 9, 2026
Book Page	6933/785
Instrument	2026029954

Lender

Name	TEXANA BANK NA
Type	Bank
Address	LINDEN, TX 75563

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970

Mortgage

Document Number	0069310774
Date	Mar 4, 2026
Book Page	6931/774
Instrument	2026028368

Lender

Name	TEXANA BANK NA
Type	Bank
Address	LINDEN, TX 75563

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

October 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2020
Property Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Document Number	0058050165
Book / Page	5805 / 165
Map Reference	MB 27 PG 30-32
Instrument Date	Sep 30, 2020
Instrument	2020132415
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,517.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970

Mortgage

Document Number	0005805167
Date	Oct 2, 2020
Instrument	5805/167

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Document Number	0057081669
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	605 COMMONWEALTH AVE ORLANDO FL 328035223, ORLANDO, FL 32803-5223

Mortgage

Document Number	0057081669
Date	Apr 15, 2020
Book Page	005708/001669
Instrument	51533

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	500 S WASHINGTON BLVD # 3RD, SARASOTA, FL 34236-7139

Agreement

Amount	Amount Recorded

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2020
Property Address	3244 WAUSEON DR, SAINT CLOUD, FL 34772-8970
Document Number	0057052161
Book / Page	005705 / 002161
Instrument Date	Apr 8, 2020
Instrument	48724
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$3,107.00
Amount Accuracy	Confirmed
Additional	Arm's Length 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 assessment roll, as of November 26, 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	$7,809.00 (+16.52%)	$414,446 (+22.69%)	$431,400 (-1.37%) Land $75,000 Building $356,400
2024	$6,702.00 (+3.79%)
2023	$6,457.00 (+2.77%) Homeowner's exemption	$337,790 (+3%)	$437,400 (+23%) Land $70,000 Building $367,400
2022	$6,283.00 Homeowner's exemption	$327,952	$355,600 Land $60,000 Building $295,600

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 173 policies
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 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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