1183 Playa del Sol Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1183 Playa del Sol Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,845 sqft · built 2017
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Company Names on File
Last Sale	$470,000 (Nov 2022)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Nov 2025 Transfer Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21-25-31-4264-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`21-25-31-4264-0001-0140`
Alternative APN	`253121426400010140`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,845 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	1,845 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1183 PLAYA DEL SOL LN
City	SAINT CLOUD
State	FL
Zip	34771-7565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE DEL SOL PB 25 PGS 151-154 LOT 14
Legal Range	31E
Legal Township	25S
Legal Section	21
Legal Subdivision	NARCOOSSEE DEL SOL
Legal Block	140
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1059
Census Tract	43700

Owner

1183 Playa del Sol Ln is owned by a company that acquired it in November 2025 and is owner-occupied.

Source: Osceola County records, as of December 5, 2025

Owner of Record	2 Company Names on File
Mailing Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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 26, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage EQUITABLE MORTGAGE & REALTY INCORPORATED
Dec 1, 2017	Warranty Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on File
Deed Sale	Nov 29, 2022 · Amount on File
Prior Sale	Dec 1, 2017 · Amount on File
Deed Document Number	2022170938
Deed Book / Page	6320 / 2962
Last Transfer Date	Nov 20, 2025
Transfer Doc	0068851470
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 26, 2025
Property Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565
Document Number	0068851470
Book / Page	6885 / 1470
Map Reference	MB 25 PG 151
Instrument Date	Nov 20, 2025
Instrument	2025145531
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 29, 2022
Property Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565
Document Number	0063202962
Book / Page	6320 / 2962
Map Reference	MB 25 PG 151-154
Instrument Date	Nov 28, 2022
Instrument	2022170938
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2510 HADLEIGH ST, KISSIMMEE, FL 34743-4409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565

Mortgage

Document Number	0063202964
Date	Nov 29, 2022
Instrument	6320/2964

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565

Mortgage

Document Number	0059030192
Date	Mar 3, 2021
Book Page	5903/192
Instrument	2021031077

Lender

Name	EQUITABLE MORTGAGE & REALTY INCORPORATED
Type	Non-Lending Institution
Address	LOS ANGELES, CA 90034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

December 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 1, 2017
Property Address	1183 PLAYA DEL SOL LN, SAINT CLOUD, FL 34771-7565
Document Number	0052470451
Book / Page	005247 / 000451
Instrument Date	Nov 21, 2017
Instrument	170908
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	M/I TITLE AGENCY LIMITED LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1183 PLAYA DEL SOL LN ST CLOUD FL 347717565, ST CLOUD, FL 34771-7565

Mortgage

Document Number	52470452
Date	Dec 1, 2017
Book Page	005247/000452
Instrument	170909

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1183 Playa del Sol Ln was $5,092 with a homeowner's exemption, down 0.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$5,092.00 (-0.29%) Homeowner's exemption	$357,000 Land $75,000 Building $282,000	$357,000 Land $75,000 Building $282,000
2024	$5,107.00 (+2.06%)
2023	$5,004.00 (+40.44%) Homeowner's exemption	$354,000 (+39.45%) Land $60,000 Building $294,000	$354,000 (+20.86%) Land $60,000 Building $294,000
2022	$3,563.00 Homeowner's exemption	$253,859	$292,900 Land $50,000 Building $242,900

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

Flood

FEMA maps place 1183 Playa del Sol Ln 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 1183 Playa del Sol Ln is moderate, ranking above 61% 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 61% of the US · lower than 64% 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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

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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