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1631 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1631 Spray Ter, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,672 sqft · built 2020
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$295,990 (Sep 2020)
Tax Bill$3,980 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN172531334700010870

Property Details

APN / Parcel Number

Primary APN172531334700010870

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,672 sqft Heated Area
Gross Area2,278 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
PorchOpen Porch
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1631 SPRAY TER
CitySAINT CLOUD
StateFL
Zip34771-8073
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBARRINGTON PB 28 PGS 152-155 LOT 87
Legal SubdivisionBARRINGTON
Legal Lot Number87
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1030
Census Tract43700

Owner

Source: Osceola County records · APN 172531334700010870

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 RecordIndividual Name on File
Mailing Address1631 SPRAY TER, SAINT CLOUD, FL 34771-8073
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 08, 2020 · Amount on Record
Deed SaleSep 08, 2020 · Amount on Record
Deed Document Number2020119316
Deed Book / Page5789 / 1717
Record UpdatedJun 08, 2026

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 08, 2020
Property Address1631 SPRAY TER, SAINT CLOUD, FL 34771-8073
Document Number0057891717
Book / Page5789 / 1717
Map ReferenceMB 28 PG 152-155
Instrument DateSep 04, 2020
Instrument2020119316
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,072.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

NameVerified Name
Address1631 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number0057891718
DateSep 08, 2020
Instrument5789/1718
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,980.00 (+7.36%) Homeowner's exemption$276,717 (+5.99%)$336,300 (+10.41%) Land $75,000 Building $261,300
2023$3,707.00 (+4.19%) Homeowner's exemption$261,087 (+3%)$304,600 (+14.04%) Land $65,000 Building $239,600
2022$3,558.00 Homeowner's exemption$253,483$267,100 Land $55,000 Building $212,100

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 120970437001, 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 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 485 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 211 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Xfinity, AT&T, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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