5229 Tracie Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5229 Tracie Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,124 sqft · built 2020
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Apr 2020)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	Nov 2020 Loan Modification Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202531547700010080`

Property Details

APN / Parcel Number

Primary APN	`202531547700010080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,124 sqft Heated Area
Gross Area	2,976 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5229 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 8
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

5229 Tracie Way is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	5229 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Loan Modification, Mortgage CENTENNIAL BK
Apr 21, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2020 · Amount on File
Deed Sale	Apr 21, 2020 · Amount on File
Deed Document Number	2020054605
Deed Book / Page	5711 / 1009
Record Updated	Jun 8, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5229 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0058511633
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Jan 11, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5229 TRACIE WAY ST CLOUD FL 347719581, ST CLOUD, FL 34771-9581

Mortgage

Document Number	0058511633
Date	Dec 15, 2020
Book Page	005851/001633
Instrument	170029

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 21, 2020
Property Address	5229 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0057111009
Book / Page	5711 / 1009
Map Reference	MB 27 PG 41
Instrument Date	Apr 20, 2020
Instrument	2020054605
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$525.00
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	17337 OLD TOBACCO RD, LUTZ, FL 33558-4953

Mortgage

Document Number	0057111010
Date	Apr 21, 2020
Instrument	5711/1010

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

Tax Assessment & Valuation

The 2025 property tax bill for 5229 Tracie Way was $3,760 with a homeowner's exemption.

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	$3,760.00 Homeowner's exemption	$260,815	$410,200 Land $60,000 Building $350,200
2023	$3,497.00 (+4.26%) Homeowner's exemption	$246,083 (+3%)	$403,000 (+14.88%) Land $60,000 Building $343,000
2022	$3,354.00 Homeowner's exemption	$238,916	$350,800 Land $60,000 Building $290,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5229 Tracie Way in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File 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

Wildfire risk around 5229 Tracie Way is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% 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 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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