4485 Baler Trails Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4485 Baler Trails Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 2016
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Nov 2016)
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`192631015800011240`

Property Details

APN / Parcel Number

Primary APN	`192631015800011240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,026 sqft Heated Area
Gross Area	2,633 sqft
1st Floor Area	2,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
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
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	166 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4485 BALER TRAILS DR
City	SAINT CLOUD
State	FL
Zip	34772-8981
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 3 PB 23 PG 175-177 LOT 124
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PHS 1 3 &3A
Legal Phase	3
Legal Tract	158
Legal Lot Number	124
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

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	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 15, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 12, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2016 · Amount on Record
Deed Sale	Nov 29, 2016 · Amount on Record
Deed Document Number	0050622803
Deed Book / Page	5062 / 2803
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Transaction Type	Mortgage
Record Updated	Mar 8, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Investor	Possibly a Property Investor

Mortgage

Document Number	0065550596
Date	Feb 26, 2024
Book Page	6555/596
Instrument	2024024898

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	274 Months
Due	Dec 1, 2046

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0064251773
Date	Jun 15, 2023
Book Page	6425/1773
Instrument	2023077769

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Aug 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4485 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0058310397
Date	Nov 12, 2020
Book Page	5831/397
Instrument	2020154631

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Dec 1, 2046

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	$5,384.00 (+8.48%) Homeowner's exemption	$236,807 (+5.99%)	$334,500 (-0.83%) Land $70,000 Building $264,500
2023	$4,963.00 (+2.35%) Homeowner's exemption	$223,432 (+3%)	$337,300 (+16.11%) Land $60,000 Building $277,300
2022	$4,849.00 Homeowner's exemption	$216,925	$290,500 Land $55,000 Building $235,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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