Osceola County property record for 4597 Baler Trails Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,914 sqft · built 2015 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Mar 2016) |
| Tax Bill | $5,915 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-26-31-0158-0001-0680 |
| Primary APN | 19-26-31-0158-0001-0680 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,914 sqft Living Area |
| Gross Area | 3,400 sqft |
| 1st Floor Area | 1,317 sqft |
| Upper Floors Area | 1,597 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 24 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4597 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 68 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 3 |
| Legal Phase | 3 |
| Legal Tract | 158 |
| Legal Block | 680 |
| Legal Lot Number | 68 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 19-26-31-0158-0001-0680
Assessment roll updated November 26, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 4597 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 03, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Dec 29, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2016 · Amount on Record |
| Deed Sale | Mar 16, 2016 · Amount on Record |
| Deed Document Number | 201638546 |
| Deed Book / Page | 4929 / 491 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4597 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4597 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983 |
| Document Number | 0064350164 |
|---|---|
| Date | Jul 03, 2023 |
| Book Page | 6435/164 |
| Instrument | 2023085960 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4597 BALER TRAILS DR, SAINT CLOUD, FL 34772-8983 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0058601852 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 5860/1852 |
| Instrument | 2020176592 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| 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 | $5,915.00 (+8.19%) Homeowner's exemption | $266,453 (+5.99%) | $409,300 (-1.59%) Land $70,000 Building $339,300 |
| 2023 | $5,467.00 (+2.42%) Homeowner's exemption | $251,402 (+3%) | $415,900 (+26.95%) Land $60,000 Building $355,900 |
| 2022 | $5,338.00 Homeowner's exemption | $244,080 | $327,600 Land $55,000 Building $272,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Moderate above 61% of the US · lower than 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Xfinity.
Based on FCC filings for 381 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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