Osceola County property record for 4540 Baler Trails Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,894 sqft Heated Area |
| Lot Size | 10,454 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $200,600 (2015) |
| Tax Bill | $5,000.00 (2025) |
| Primary APN | 192631015800011990 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,894 sqft Heated Area |
| Gross Area | 2,408 sqft Gross Area |
| 1st Floor | 1,894 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,454 sqft (0.239 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 484 sqft Garage |
| Porch | Open Porch |
| Porch Area | 30 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4540 BALER TRAILS DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8980 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 3 PB 23 PG 175-177 LOT 199 |
| 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 | 199 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1012 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631015800011990
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 16, 2023 | Deed of Trust, Mortgage · Stand Alone Second Mortgage TD BANK NA |
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 17, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANPAL LLC |
| Jul 09, 2018 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage AMERIHOME MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 05, 2015 · Amount on Record |
| Deed Sale | Aug 05, 2015 · Amount on Record |
| Deed Doc Number | 2015116014 |
| Deed Book / Page | 4821 / 1020 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Document Number | 0063591506 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | 6359/1506 |
| Instrument | 2023019267 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 28, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Document Number | 0061310109 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 6131/109 |
| Instrument | 2022008973 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4540 VAKER TRAILS DR, SAINT CLOUD, FL 34772 |
| Document Number | 0058930753 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 5893/753 |
| Instrument | 2021023232 |
| Name | LOANPAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4540 BALER TRAILS DR, SAINT CLOUD, FL 34772-8980 |
| Document Number | 0053991020 |
| Instrument Date | Jul 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4540 BALER TRAILS DR ST CLOUD FL 347728980, ST CLOUD, FL 34772-8980 |
| Document Number | 0053991020 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 005399/001020 |
| Instrument | 136742 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | EWING, NJ 08618 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,000.00 (+8.74%) Homeowner's exemption | $215,341 (+5.99%) | $323,200 (-0.68%) Land $70,000 Building $253,200 |
| 2023 | $4,598.00 (+2.31%) Homeowner's exemption | $203,178 (+3%) | $325,400 (+16.01%) Land $60,000 Building $265,400 |
| 2022 | $4,494.00 Homeowner's exemption | $197,261 | $280,500 Land $55,000 Building $225,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 302 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures