1651 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1651 Spray Ter, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,626 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$337,000 (Sep 2020)
Tax Bill	$5,977 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172531334700010850`

Property Details

APN / Parcel Number

Primary APN	`172531334700010850`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,626 sqft Heated Area
Gross Area	3,132 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	1651 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 85
Legal Subdivision	BARRINGTON
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 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	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 17, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Sep 3, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 3, 2020 · Amount on Record
Deed Sale	Sep 3, 2020 · Amount on Record
Deed Document Number	2020117143
Deed Book / Page	5786 / 2624
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number	0068442491
Date	Sep 4, 2025
Book Page	6844/2491
Instrument	2025110270

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number	0062351285
Date	Jun 17, 2022
Book Page	6235/1285
Instrument	2022095399

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2050

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 3, 2020
Property Address	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073
Document Number	0057862624
Book / Page	5786 / 2624
Map Reference	MB 28 PG 152-155
Instrument Date	Aug 31, 2020
Instrument	2020117143
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.00
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	1651 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number	0057862625
Date	Sep 3, 2020
Instrument	5786/2625

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,977.00 (+12.05%)	$380,000 (+10.27%) Land $75,000 Building $305,000	$380,000 (+10.27%) Land $75,000 Building $305,000
2023	$5,334.00 (+11.01%)	$344,600 (+13.88%) Land $65,000 Building $279,600	$344,600 (+13.88%) Land $65,000 Building $279,600
2022	$4,805.00	$302,600 Land $55,000 Building $247,600	$302,600 Land $55,000 Building $247,600

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 at the parcel

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)
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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