1661 Spray Ter, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1661 Spray Ter, Saint Cloud, FL 34771

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	$303,650 (Sep 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172531334700010840`

Property Details

APN / Parcel Number

Primary APN	`172531334700010840`

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	1661 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 84
Legal Subdivision	BARRINGTON
Legal Lot Number	84
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
Mailing Address	1661 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	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	2020124258
Deed Book / Page	5795 / 353
Record Updated	Jun 8, 2026

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2020
Property Address	1661 SPRAY TER, SAINT CLOUD, FL 34771-8073
Document Number	0057950353
Book / Page	5795 / 353
Map Reference	MB 28 PG 152-155
Instrument Date	Sep 11, 2020
Instrument	2020124258
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.90
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	1661 SPRAY TER, SAINT CLOUD, FL 34771-8073

Mortgage

Document Number	0005795354
Date	Sep 17, 2020
Instrument	5795/354

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$302,827 (+5.99%)	$349,600 (+10.42%) Land $75,000 Building $274,600
2023	$621.00 (-83.75%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$285,722 (+3%)	$316,600 (+14.13%) Land $65,000 Building $251,600
2022	$3,822.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$277,400 Land $55,000 Building $222,400	$277,400 Land $55,000 Building $222,400

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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