4557 Baler Trails Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4557 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	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Oct 2021)
Tax Bill	$6,990 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631015800010880`

Property Details

APN / Parcel Number

Primary APN	`192631015800010880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Heated Area
Gross Area	2,608 sqft
1st Floor Area	1,894 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	5,663 sqft (0.13 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	230 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4557 BALER TRAILS DR
City	SAINT CLOUD
State	FL
Zip	34772-8983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 3 PB 23 PG 175-177 LOT 88
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	88
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	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
May 29, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV
Feb 14, 2017	Special Warranty Deed, Transfer · FHA Mortgage STONEGATE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Feb 14, 2017 · Amount on Record
Deed Document Number	2021153385
Deed Book / Page	6057 / 611
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983

Mortgage

Document Number	0062822821
Date	Sep 8, 2022
Book Page	6282/2821
Instrument	2022137153

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2021
Property Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Document Number	0060570611
Book / Page	6057 / 611
Map Reference	MB 23 PG 175
Instrument Date	Sep 14, 2021
Instrument	2021153385
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7041 BUTTONBUSH LOOP, 7041, HARMONY, FL 34773-6043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983

Mortgage

Document Number	6057613
Date	Oct 4, 2021
Instrument	6057/613

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Document Number	0053801374
Instrument Date	May 29, 2018
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BALER TRAILS DR ST CLOUD FL 347728983, ST CLOUD, FL 34772-8983

Mortgage

Document Number	0053801374
Date	Aug 7, 2018
Book Page	005380/001374
Instrument	120156

Lender

Name	SECRETARY/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2017
Property Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Document Number	0051021103
Book / Page	5102 / 1103
Map Reference	MB23 PG175
Instrument Date	Feb 13, 2017
Instrument	2017024956
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	$1,621.20
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
Relationship	Joint Tenants with Right of Survivorship
Address	4557 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983

Mortgage

Document Number	0051021105
Date	Feb 14, 2017
Instrument	5102/1105

Lender

Name	STONEGATE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	$6,990.00 (+1.88%) Homeowner's exemption	$326,500 (-0.7%) Land $70,000 Building $256,500	$326,500 (-0.7%) Land $70,000 Building $256,500
2023	$6,861.00 (+0.69%) Homeowner's exemption	$328,800 (+15.94%) Land $60,000 Building $268,800	$328,800 (+15.94%) Land $60,000 Building $268,800
2022	$6,814.00	$283,600 Land $55,000 Building $228,600	$283,600 Land $55,000 Building $228,600

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
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 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 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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	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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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