Osceola County property record for 837 Ladyfish Trl, Saint Cloud, FL 34771 · Last verified May 2026
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $808,500 (May 2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-25-31-0945-0001-2600 |
| Primary APN | 29-25-31-0945-0001-2600 |
|---|---|
| Alternative APN |
|
| Lot Area | 8,712 sqft (0.2 acres) |
|---|
| Street Address | 837 LADYFISH TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-6929 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | WATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 260 |
| Legal Subdivision | WATERS AT CENTER LAKE RANCH PHASE 1B |
| Legal Lot Number | 260 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43700 |
Source: Osceola County records · APN 29-25-31-0945-0001-2600
Assessment roll updated November 26, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 837 LADYFISH TRL, SAINT CLOUD, FL 34771-6929 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 05, 2026 · Amount on Record |
| Deed Sale | May 05, 2026 · Amount on Record |
| Deed Document Number | 202659553 |
| Deed Book / Page | 6966 / 2978 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 05, 2026 |
| Property Address | 837 LADYFISH TRL, SAINT CLOUD, FL 34771-6929 |
| Document Number | 0000059553 |
| Book / Page | 6966 / 2978 |
| Instrument Date | May 05, 2026 |
| Instrument | 2026.59553 |
| Record Updated | May 14, 2026 |
| Title Company | INSURED TITLE, INSPIRED TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $571,609.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 837 LADYFISH TRL, SAINT CLOUD, FL 34771-6929 |
| Document Number | 0000059554, |
|---|---|
| Date | May 05, 2026 |
| Instrument | 2026..59554 |
| Name | TAYLOR MORRISON HOME FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 70 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 168 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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