3349 Wauseon Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3349 Wauseon Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,920 sqft · built 2020
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,104 (Mar 2020)
Tax Bill	$6,029 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3444-0001-1250`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3444-0001-1250`
Alternative APN	`263120344400011250`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,500 sqft
1st Floor Area	1,920 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Deck Area	80 sqft
Patio Area	346 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3349 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 125
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES PH 2
Legal Phase	2
Legal Lot Number	125
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 May 21, 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	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 31, 2020	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Oct 31, 2019	Loan Modification, Mortgage · Line of Credit AMERICAN MOMENTUM BK
Sep 26, 2019	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	Mar 31, 2020 · Amount on Record
Deed Sale	Mar 31, 2020 · Amount on Record
Deed Document Number	202045340
Deed Book / Page	5701 / 1530
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972

Mortgage

Document Number	0069421573
Date	Mar 24, 2026
Book Page	6942/1573
Instrument	2026038680

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 10, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2020
Property Address	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0057011530
Book / Page	005701 / 001530
Instrument Date	Mar 27, 2020
Instrument	45340
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3349 WAUSEON DR ST CLOUD FL 347728972, ST CLOUD, FL 34772-8972

Mortgage

Document Number	57011532
Date	Mar 31, 2020
Book Page	005701/001532
Instrument	45341

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2050

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2019
Property Address	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0056152434
Book / Page	005615 / 002434
Instrument Date	Oct 30, 2019
Instrument	141534
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Tax	$0.00
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	56152434
Date	Oct 31, 2019
Book Page	005615/002434
Instrument	141534

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2019
Property Address	3349 WAUSEON DR, SAINT CLOUD, FL 34772-8972
Document Number	0055961452
Book / Page	005596 / 001452
Instrument Date	Sep 26, 2019
Instrument	125079
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TITLE CO/CTRL FL LLC

Transaction

Amount	Amount Recorded
Tax	$4,939.60
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	$6,029.00 (+2.52%) Homeowner's exemption	$289,886 (+6.8%)	$382,500 (+1.86%) Land $100,000 Building $282,500
2024	$5,881.00 (+4.61%)
2023	$5,622.00 (+3.94%) Homeowner's exemption	$271,438 (+4.62%)	$375,500 (+21.44%) Land $95,000 Building $280,500
2022	$5,409.00 Homeowner's exemption	$259,455	$309,200 Land $80,000 Building $229,200

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 58% of the US · lower than 68% 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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