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939 Ladyfish Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 939 Ladyfish Trl, Saint Cloud, FL 34771 · Last verified May 2026

Property Summary

Property TypeVacant Land
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$690,000 (Apr 2026)
Deeds & MortgagesApr 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN29-25-31-0945-0001-0950

Property Details

APN / Parcel Number

Primary APN29-25-31-0945-0001-0950
Alternative APN
  • 253129094500010950

Exterior

Lot Area8,276 sqft (0.19 acres)

Location & Zoning

Street Address939 LADYFISH TRL
CitySAINT CLOUD
StateFL
Zip34771-6931
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionWATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 95
Legal SubdivisionWATERS AT CENTER LAKE RANCH PHASE 1B
Legal Lot Number95
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3013
Census Tract43700

Owner

Source: Osceola County records · APN 29-25-31-0945-0001-0950

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 RecordIndividual Name on File
Mailing Address939 LADYFISH TRL, SAINT CLOUD, FL 34771-6931
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 17, 2026 · Amount on Record
Deed SaleApr 17, 2026 · Amount on Record
Deed Document Number202651505
Deed Book / Page6957 / 1964
Record UpdatedSep 20, 2026

April 2026: Special Warranty Deed

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 17, 2026
Property Address939 LADYFISH TRL, SAINT CLOUD, FL 34771-6931
Document Number0000051505
Book / Page6957 / 1964
Instrument DateApr 15, 2026
Instrument2026.51505
Record UpdatedMay 01, 2026
Title CompanyINSURED TITLE, INSPIRED TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$487,830.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address939 LADYFISH TRL, SAINT CLOUD, FL 34771-6931

Mortgage

Document Number0000051506,
DateApr 17, 2026
Book Page6957/1966
Instrument2026.51506
Lender
NameLENDER MORTGAGE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearAssessed ValueAssessed Market Value
2025$30,000 Land $30,000$30,000 Land $30,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 70 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 in force

Wildfire

Wildfire RiskHigh
above 78% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 164 per year
ExposureDirect
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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 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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