3305 Wauseon Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3305 Wauseon Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,166 sqft · built 2021
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$501,486 (Sep 2021)
Tax Bill	$9,295 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202631344400011190`

Property Details

APN / Parcel Number

Primary APN	`202631344400011190`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,166 sqft Heated Area
Gross Area	4,166 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	7,841 sqft (0.18 acres)
Garage Type	Finished

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Open Porch
Patio Area	1,046 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3305 WAUSEON DR
City	SAINT CLOUD
State	FL
Zip	34772-8972
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 2 PB 27 PGS 30-32 LOT 119
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	2
Legal Tract	3444
Legal Lot Number	119
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Deed of Trust, Mortgage · Closed-End Mortgage BMO HARRIS BANK NA
Sep 17, 2021	Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 16, 2020	Loan Modification, Mortgage AMERICAN MOMENTUM BK
Nov 9, 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	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	2021144424
Deed Book / Page	6045 / 1634
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972

Mortgage

Document Number	0062901005
Date	Sep 22, 2022
Book Page	6290/1005
Instrument	2022143914

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 20, 2037

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2021
Property Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0060451634
Book / Page	6045 / 1634
Map Reference	MB 27 PG 30-32
Instrument Date	Sep 15, 2021
Instrument	2021144424
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 Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,510.50
Amount Accuracy	Full Amount Stated
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	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972

Mortgage

Document Number	0060451636
Date	Sep 17, 2021
Instrument	6045/1636

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0058332445
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 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	0058332445
Date	Nov 16, 2020
Book Page	005833/002445
Instrument	156697

Lender

Name	AMERICAN MOMENTUM BK
Type	Bank
Address	500 WASHINGTON BLVD # 3RD, SARASOTA, FL 34236-7103

Agreement

Amount	Amount Recorded

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 9, 2020
Property Address	3305 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0058292323
Book / Page	005829 / 002323
Instrument Date	Nov 9, 2020
Instrument	153284
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$5,154.00
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 July 1, 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	$9,295.00 (+15.9%) Homeowner's exemption	$466,477 (+16.6%)	$546,600 (+11.71%) Land $100,000 Building $446,600
2023	$8,020.00 (+2.62%) Homeowner's exemption	$400,052 (+3%)	$489,300 (+25.98%) Land $95,000 Building $394,300
2022	$7,815.00 Homeowner's exemption	$388,400 Land $80,000 Building $308,400	$388,400 Land $80,000 Building $308,400

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 AE, 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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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