4499 Baler Trails Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4499 Baler Trails Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2016
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Nov 2024)
Tax Bill	$6,318 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0158-0001-1170`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0158-0001-1170`
Alternative APN	`263119015800011170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,894 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	290 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4499 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 117
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 3
Legal Phase	3
Legal Tract	158
Legal Block	1170
Legal Lot Number	117
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 May 21, 2026

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	5106 SORRENTO BLVD W, SAINT CLOUD, FL 34771-8518
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage RECOVO MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	Aug 7, 2023 · Amount on Record
Deed Document Number	2024143370
Deed Book / Page	6694 / 1114
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 7, 2023
Property Address	4499 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Document Number	0064530209
Book / Page	6453 / 209
Map Reference	MB 23 PG 175
Instrument Date	Aug 2, 2023
Instrument	2023102069
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,659.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3671 DAYDREAM PL, SAINT CLOUD, FL 34772-8233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4499 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0006453211
Date	Aug 7, 2023
Instrument	6453/211

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4499 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4499 BALER TRAILS DR, SAINT CLOUD, FL 34772-8981

Mortgage

Document Number	0058290070
Date	Nov 9, 2020
Book Page	5829/70
Instrument	2020152670

Lender

Name	RECOVO MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	IRVING, TX 75038

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

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	$6,318.00 (-7.58%)	$288,960 (+29.44%)	$333,500 (-0.83%) Land $70,000 Building $263,500
2024	$6,836.00 (+37.82%)
2023	$4,960.00 (+2.82%) Homeowner's exemption	$223,234 (+3.56%)	$336,300 (+16.53%) Land $60,000 Building $276,300
2022	$4,824.00 Homeowner's exemption	$215,567	$288,600 Land $55,000 Building $233,600

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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