4565 Baler Trails Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4565 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 (5,662 sqft)
Owner	Individual Name on Record
Last Sale	$219,100 (Oct 2016)
Tax Bill	$5,168 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0158-0001-0840`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0158-0001-0840`
Alternative APN	`263119015800010840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Living Area
Gross Area	2,508 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	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4565 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 84
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 3
Legal Phase	3
Legal Tract	158
Legal Block	840
Legal Lot Number	84
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 13, 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	4565 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Aug 12, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2016 · Amount on Record
Deed Sale	Oct 10, 2016 · Amount on Record
Deed Document Number	2016152283
Deed Book / Page	5037 / 964
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	4565 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Document Number	0000086873
Book / Page	6997 / 2218
Instrument Date	Jun 23, 2026
Instrument	202686873
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983

Mortgage

Document Number	0000086873,
Date	Jul 1, 2026
Book Page	6997/2218
Instrument	202686873

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4565 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057730513
Date	Aug 12, 2020
Book Page	5773/513
Instrument	2020106257

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Dec 1, 2046

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	$5,168.00 (+8.73%) Homeowner's exemption Veteran's exemption	$229,739 (+5.99%)	$324,400 (-0.7%) Land $70,000 Building $254,400
2023	$4,753.00 (+2.39%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$216,763 (+3%)	$326,700 (+16.06%) Land $60,000 Building $266,700
2022	$4,642.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$210,450	$281,500 Land $55,000 Building $226,500

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
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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