5237 Tracie Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5237 Tracie Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$302,880 (Feb 2021)
Tax Bill	$4,874 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202531547700010100`

Property Details

APN / Parcel Number

Primary APN	`202531547700010100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Heated Area
Gross Area	2,392 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
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
Porch	Open Porch
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5237 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 10
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	WIGGINS RESERVE
Legal Tract	5477
Legal Lot Number	10
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	442 TALISI LOOP, SAINT CLOUD, FL 34771-9163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Feb 9, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2021 · Amount on Record
Deed Sale	Feb 9, 2021 · Amount on Record
Deed Document Number	2021018845
Deed Book / Page	5887 / 2675
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5237 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5237 TRACIE WAY, SAINT CLOUD, FL 34771-9581

Mortgage

Document Number	0062430586
Date	Jun 30, 2022
Book Page	6243/586
Instrument	2022102015

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2021
Property Address	5237 TRACIE WAY, SAINT CLOUD, FL 34771-9581
Document Number	0058872675
Book / Page	5887 / 2675
Map Reference	MB 27 PG 41
Instrument Date	Feb 4, 2021
Instrument	2021018845
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,120.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5237 TRACIE WAY, SAINT CLOUD, FL 34771-9581

Mortgage

Document Number	0058872676
Date	Feb 9, 2021
Instrument	5887/2676

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$4,874.00 (+6.96%) Homeowner's exemption	$341,254 (+5.99%)	$364,000 (+1.82%) Land $60,000 Building $304,000
2023	$4,557.00 (+3.95%) Homeowner's exemption	$321,978 (+3%)	$357,500 (+14.36%) Land $60,000 Building $297,500
2022	$4,384.00 Homeowner's exemption	$312,600 Land $60,000 Building $252,600	$312,600 Land $60,000 Building $252,600

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 67% of the US · above 45% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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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