3309 Wauseon Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3309 Wauseon Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,880 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$507,969 (Aug 2020)
Tax Bill	$9,639 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jan 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631344400011200`

Property Details

APN / Parcel Number

Primary APN	`202631344400011200`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,880 sqft Heated Area
Gross Area	4,800 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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 Area	578 sqft
Deck Area	132 sqft
Fence	Fence
Boat Access	Boat Access
Boat House	378 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3309 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 120
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	2
Legal Tract	3444
Legal Lot Number	120
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
Mailing Address	3309 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2020	Special Warranty Deed, Transfer · Conventional Mortgage BAXTER CU
Jan 28, 2020	Loan Modification, Mortgage · Line of Credit AMERICAN MOMENTUM BK
Jan 24, 2020	Grant Deed, Transfer TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Deed Document Number	2020109496
Deed Book / Page	5777 / 834
Record Updated	Jun 8, 2026

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 19, 2020
Property Address	3309 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0057770834
Book / Page	5777 / 834
Map Reference	MB 27 PG 30-32
Instrument Date	Aug 5, 2020
Instrument	2020109496
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	$3,556.00
Amount Accuracy	Full Amount Stated
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	3309 WAUSEON DR, SAINT CLOUD, FL 34772-8972

Mortgage

Document Number	0005777836
Date	Aug 19, 2020
Instrument	5777/836

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	7.87%

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3309 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0056672860
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 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	0056672860
Date	Feb 3, 2020
Book Page	005667/002860
Instrument	16365

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2020
Property Address	3309 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0056631654
Book / Page	005663 / 001654
Instrument Date	Jan 24, 2020
Instrument	12188
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$3,249.00
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

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	$9,639.00 (+6.3%) Homeowner's exemption	$485,671 (+5.99%)	$629,700 (+1.43%) Land $100,000 Building $529,700
2023	$9,068.00 Homeowner's exemption	$458,237	$620,800 Land $95,000 Building $525,800

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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