5190 Clay Whaley Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5190 Clay Whaley Rd, Saint Cloud, FL 34772 · Last verified June 2026

Property Summary

Property Type	Vacant Land
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (May 2026)
Tax Bill	$175 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
APN	`17-26-30-0134-0001-0450`

Property Details

APN / Parcel Number

Primary APN	`17-26-30-0134-0001-0450`
Alternative APN	`263017013400010450`

Exterior

Lot Area	3,049 sqft (0.07 acres)

Location & Zoning

Street Address	5190 CLAY WHALEY RD
City	SAINT CLOUD
State	FL
Zip	34772-7242
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	EDGEWATER CROSS PRAIRIE PH 1 PB 36 PGS 115-123 LOT 45
Legal Subdivision	EDGEWATER CROSS PRAIRIE PHASE 1
Legal Lot Number	45
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1036
Census Tract	43209

Owner

Source: Osceola County records · APN 17-26-30-0134-0001-0450

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	5190 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Her Husband

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Oct 24, 2025 · Amount on Record
Deed Document Number	202668161
Deed Book / Page	6976 / 1095
Record Updated	Sep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2026
Property Address	5190 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7242
Document Number	0000068161
Book / Page	6976 / 1095
Instrument Date	May 21, 2026
Instrument	202668161
Transaction Type	Transfer
Record Updated	Jun 09, 2026
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$250,985.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5190 CLAY WHALEY RD, SAINT CLOUD, FL 34772-7242

Mortgage

Document Number	0000068162,
Date	May 26, 2026
Instrument	202668162

Lender

Name	LENNAR MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$175.00	$9,800 Land $9,800	$9,800 Land $9,800

Flood & Wildfire

Source: FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432091, refreshed September 2026 · Last verified October 2026

Flood

Flood Insurance Cost	Premium on Record median of 136 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022, other causes, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims

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.