1641 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1641 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	$311,150 (Oct 2020)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172531334700010860`

Property Details

APN / Parcel Number

Primary APN	`172531334700010860`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,830 sqft Heated Area
Gross Area	2,396 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

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1641 SPRAY TER
City	SAINT CLOUD
State	FL
Zip	34771-8073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRINGTON PB 28 PGS 152-155 LOT 86
Legal Subdivision	BARRINGTON
Legal Lot Number	86
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43700

Owner

Source: Osceola County records · APN 172531334700010860

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
Mailing Address	1641 SPRAY TER, SAINT CLOUD, FL 34771-8073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 26, 2020 · Amount on Record
Deed Sale	Oct 26, 2020 · Amount on Record
Deed Document Number	2020144979
Deed Book / Page	5819 / 2808
Record Updated	Jun 08, 2026

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 26, 2020
Property Address	1641 SPRAY TER, SAINT CLOUD, FL 34771-8073
Document Number	0058192808
Book / Page	5819 / 2808
Map Reference	MB 28 PG 152-155
Instrument Date	Oct 22, 2020
Instrument	2020144979
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,178.40
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	1641 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number	0058192809
Date	Oct 26, 2020
Instrument	5819/2809

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

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	$4,083.00 (+7.33%) Homeowner's exemption	$284,138 (+5.99%)	$347,500 (+10.56%) Land $75,000 Building $272,500
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

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, 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 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; 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 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.