1600 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1600 Spray Ter, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2020
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2026)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3347-0001-0320`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3347-0001-0320`
Alternative APN	`253117334700010320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,830 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1600 SPRAY TER
City	SAINT CLOUD
State	FL
Zip	34771-8072
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRINGTON PB 28 PGS 152-155 LOT 32
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	BARRINGTON
Legal Lot Number	32
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43700

Owner

Source: Osceola County records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1600 SPRAY TER, SAINT CLOUD, FL 34771-8072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ACRISURE MORTGAGE LLC
Aug 4, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	202637127
Deed Book / Page	6940 / 1951
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 20, 2026
Property Address	1600 SPRAY TER, SAINT CLOUD, FL 34771-8072
Document Number	0069401951
Book / Page	6940 / 1951
Map Reference	MB 28 PG 152-155
Instrument Date	Mar 16, 2026
Instrument	2026037127
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	CITRUS CLOSING GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4002 AVE DE DIEGO APT 1304, 1304, CAROLINA, PR 00987-5168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 SPRAY TER, SAINT CLOUD, FL 34771-8072

Mortgage

Document Number	0069401953
Date	Mar 20, 2026
Instrument	6940/1953

Lender

Name	ACRISURE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2020
Property Address	1600 SPRAY TER, SAINT CLOUD, FL 34771-8072
Document Number	0057681515
Book / Page	5768 / 1515
Map Reference	MB 28 PG 152-155
Instrument Date	Jul 31, 2020
Instrument	2020102353
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 SPRAY TER, SAINT CLOUD, FL 34771-8072

Mortgage

Document Number	0057681516
Date	Aug 4, 2020
Instrument	5768/1516

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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	$4,083.00 (+5.07%) Homeowner's exemption	$284,138 (+5.99%)	$347,500 (+10.56%) Land $75,000 Building $272,500
2024	$3,886.00 (+2.16%)
2023	$3,804.00 (+4.13%) Homeowner's exemption	$268,089 (+3%)	$314,300 (+14.25%) Land $65,000 Building $249,300
2022	$3,653.00 Homeowner's exemption	$260,281	$275,100 Land $55,000 Building $220,100

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% 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	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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile, Xfinity.

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