1620 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1620 Spray Ter, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,830 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jun 2023)
Tax Bill	$4,963 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172531334700010340`

Property Details

APN / Parcel Number

Primary APN	`172531334700010340`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Heated Area
Gross Area	2,400 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1620 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 34
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	BARRINGTON
Legal Tract	3347
Legal Lot Number	34
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43700

Owner

Source: Osceola County records · APN 172531334700010340

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	1620 SPRAY TER, SAINT CLOUD, FL 34771-8072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	2023080150
Deed Book / Page	6428 / 813
Record Updated	Jun 08, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 21, 2023
Property Address	1620 SPRAY TER, SAINT CLOUD, FL 34771-8072
Document Number	0064280813
Book / Page	6428 / 813
Map Reference	MB 28 PG 152
Instrument Date	Jun 13, 2023
Instrument	2023080150
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	NEW DOOR TITLE INSURANCE LLC, NEW HOME TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4951 CALYPSO CAY WAY, KISSIMMEE, FL 34746-5522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8206 PAMLICO ST, ORLANDO, FL 32817-1510

Mortgage

Document Number	0064280815
Date	Jun 21, 2023
Book Page	6428/815
Instrument	2023080151

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,963.00 (+30.47%) Homeowner's exemption	$347,699 (+29.7%)	$348,500 (+10.88%) Land $75,000 Building $273,500
2023	$3,804.00 (+4.13%) Homeowner's exemption	$268,089 (+3%)	$314,300 (+14.29%) Land $65,000 Building $249,300
2022	$3,653.00 Homeowner's exemption	$260,281	$275,000 Land $55,000 Building $220,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 485 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.