4489 Baler Trails Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4489 Baler Trails Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 2017
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,200 (Feb 2017)
Tax Bill	$5,417 (2025)
Deeds & Mortgages	Mar 2022 Second Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0158-0001-1220`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0158-0001-1220`
Alternative APN	`263119015800011220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	2,735 sqft
1st Floor Area	2,026 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4489 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 122
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 3
Legal Phase	3
Legal Tract	158
Legal Block	1220
Legal Lot Number	122
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 July 14, 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	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jun 19, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 19, 2018	Loan Modification, Mortgage · FHA Mortgage FBC MTG
Feb 2, 2017	Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2017 · Amount on Record
Deed Sale	Feb 2, 2017 · Amount on Record
Deed Document Number	201718476
Deed Book / Page	5096 / 1061
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0061711844
Date	Mar 15, 2022
Book Page	6171/1844
Instrument	2022041057

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Document Number	0053632694
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4489 BALER TRAILS DR ST CLOUD FL 347728981, ST CLOUD, FL 34772-8981

Mortgage

Document Number	0053632694
Date	Jul 10, 2018
Book Page	005363/002694
Instrument	104672

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2048

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Document Number	0053891154
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4489 BALER TRAILS DR ST CLOUD FL 347728981, ST CLOUD, FL 34772-8981

Mortgage

Document Number	0053891154
Date	Aug 22, 2018
Book Page	005389/001154
Instrument	128110

Lender

Name	FBC MTG
Type	Mortgage Company
Address	EWING, NJ 34772

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2048

Interest

Rate Type	Fixed Rate

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2017
Property Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Document Number	0050961061
Book / Page	5096 / 1061
Map Reference	MB23 PG175
Instrument Date	Jan 31, 2017
Instrument	2017018476
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,653.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 9102, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4489 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0050961063
Date	Feb 2, 2017
Instrument	5096/1063

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

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	$5,417.00 (+8.47%) Homeowner's exemption	$238,632 (+5.99%)	$337,600 (-0.76%) Land $70,000 Building $267,600
2023	$4,994.00 (+2.36%) Homeowner's exemption	$225,153 (+3%)	$340,200 (+16.11%) Land $60,000 Building $280,200
2022	$4,879.00 Homeowner's exemption	$218,596	$293,000 Land $55,000 Building $238,000

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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