5209 Tracie Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5209 Tracie Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,892 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$292,100 (Sep 2019)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531547700010030`

Property Details

APN / Parcel Number

Primary APN	`202531547700010030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Heated Area
Gross Area	2,509 sqft
1st Floor Area	1,892 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5209 TRACIE WAY
City	SAINT CLOUD
State	FL
Zip	34771-9581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIGGINS RESERVE PB 27 PG 41 LOT 3
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 12, 2020	Deed of Trust, Mortgage · VA Mortgage CREDENCE FUNDING CORPORATION
Sep 6, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	0000558574
Deed Book / Page	5585 / 74
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581

Mortgage

Document Number	0061230707
Date	Jan 5, 2022
Book Page	6123/707
Instrument	2022002811

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jan 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057361066
Date	Jun 12, 2020
Book Page	5736/1066
Instrument	2020075261

Lender

Name	CREDENCE FUNDING CORPORATION
Type	Non-Lending Institution
Address	ABERDEEN, MD 21001

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2019
Property Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0055850074
Book / Page	5585 / 0074
Map Reference	MB 27 PG 41
Instrument Date	Sep 6, 2019
Instrument	2019115094
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Investor	Possibly a Property Investor

Mortgage

Document Number	0000558575
Date	Sep 6, 2019
Instrument	5585/75

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$283,914 (+5.99%)	$374,800 (+1.74%) Land $60,000 Building $314,800
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,877 (+3%)	$368,400 (+14.59%) Land $60,000 Building $308,400
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$260,075	$321,500 Land $60,000 Building $261,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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