Osceola County property record for 1610 Spray Ter, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,672 sqft · built 2020 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,990 (Jul 2020) |
| Tax Bill | $3,987 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Mar 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-25-31-3347-0001-0330 |
| Primary APN | 17-25-31-3347-0001-0330 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| Gross Area | 2,278 sqft |
| 1st Floor Area | 1,672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Porch | Florida Room |
| Patio Area | 253 sqft |
| Gazebo | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1610 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 33 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | BARRINGTON |
| Legal Lot Number | 33 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 43700 |
Source: Osceola County assessment roll, as of November 26, 2025
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 File |
|---|---|
| Mailing Address | 1610 SPRAY TER, SAINT CLOUD, FL 34771-8072 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 21, 2025 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 22, 2020 · Amount on Record |
| Deed Sale | Jul 22, 2020 · Amount on Record |
| Deed Document Number | 202095320 |
| Deed Book / Page | 5759 / 712 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1610 SPRAY TER, SAINT CLOUD, FL 34771-8072 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1610 SPRAY TER, SAINT CLOUD, FL 34771-8072 |
| Document Number | 0064021665 |
|---|---|
| Date | May 8, 2023 |
| Book Page | 6402/1665 |
| Instrument | 2023057369 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1610 SPRAY TER, SAINT CLOUD, FL 34771-8072 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1610 SPRAY TER, SAINT CLOUD, FL 34771-8072 |
| Document Number | 0067580446 |
|---|---|
| Date | Mar 21, 2025 |
| Book Page | 6758/446 |
| Instrument | 2025035747 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 305 Months |
| Due | Aug 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,987.00 (+5.11%) Homeowner's exemption | $277,240 (+7.81%) | $337,700 (+12.12%) Land $75,000 Building $262,700 |
| 2024 | $3,793.00 (+3.86%) | ||
| 2023 | $3,652.00 (+4.22%) Homeowner's exemption | $257,162 (+3%) | $301,200 (+14.26%) Land $65,000 Building $236,200 |
| 2022 | $3,504.00 Homeowner's exemption | $249,672 | $263,600 Land $55,000 Building $208,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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 at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile USA, Xfinity.
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