5233 Tracie Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5233 Tracie Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,752 sqft · built 2020
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Aug 2021)
Tax Bill	$5,792 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202531547700010090`

Property Details

APN / Parcel Number

Primary APN	`202531547700010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,752 sqft Heated Area
Gross Area	3,694 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	49 sqft
Porch	Open Porch
Deck Area	707 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5233 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 9
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	9
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5233 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Aug 18, 2021	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Sep 28, 2020	Loan Modification, Mortgage CENTENNIAL BK
Mar 5, 2020	Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	Mar 5, 2020 · Amount on Record
Deed Document Number	2021127809
Deed Book / Page	6024 / 2550
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5233 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5233 TRADE WAY, SAINT CLOUD, FL 34771

Mortgage

Document Number	0061302360
Date	Jan 18, 2022
Book Page	6130/2360
Instrument	2022008771

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2021
Property Address	5233 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0060242550
Book / Page	6024 / 2550
Map Reference	MB 27 PG 41
Instrument Date	Aug 17, 2021
Instrument	2021127809
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5233 TRADE WAY, 5233, SAINT CLOUD, FL 34771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5233 TRADE WAY, SAINT CLOUD, FL 34771

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5233 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0058150561
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5233 TRACIE WAY ST CLOUD FL 347719581, ST CLOUD, FL 34771-9581

Mortgage

Document Number	0058150561
Date	Oct 19, 2020
Book Page	005815/000561
Instrument	140796

Lender

Name	CENTENNIAL BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2020
Property Address	5233 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0056861806
Book / Page	5686 / 1806
Map Reference	MB 27 PG 41
Instrument Date	Mar 4, 2020
Instrument	2020032561
Transaction Type	Construction Loan
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
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	1801 FARRIS DR, SAINT CLOUD, FL 34771-4875

Mortgage

Document Number	0056861807
Date	Mar 5, 2020
Instrument	5686/1807

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

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	$5,792.00 (+6.67%) Homeowner's exemption	$407,507 (+5.99%)	$516,000 (+2.2%) Land $60,000 Building $456,000
2023	$5,430.00 (+3.78%) Homeowner's exemption	$384,489 (+3%)	$504,900 (+13.97%) Land $60,000 Building $444,900
2022	$5,232.00 Homeowner's exemption	$373,291	$443,000 Land $60,000 Building $383,000

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 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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