1955 Mustang Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1955 Mustang Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,164 sqft · built 1993
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$509,999 (Feb 2022)
Tax Bill	$6,844 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103327`

Property Details

APN / Parcel Number

Primary APN	`103327`
Alternative APN	`182632259900013100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,164 sqft Heated Area
Gross Area	2,372 sqft
1st Floor Area	810 sqft
Upper Floors Area	810 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Carport
Garage Area	400 sqft
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Porch Area	752 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103327
Street Address	1955 MUSTANG CT
City	SAINT CLOUD
State	FL
Zip	34771-8388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 310 06/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UN 3
Legal Tract	2599
Legal Block	1
Legal Lot Number	6,310
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

1955 Mustang Ct is owned by an individual who bought it in February 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5652 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Oct 22, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Dec 18, 2017	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2022 · Amount on File
Deed Sale	Feb 16, 2022 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	2022025707
Deed Book / Page	6151 / 1556
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 16, 2022
Property Address	1955 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Document Number	0061511556
Book / Page	6151 / 1556
Map Reference	MB 4 PG 59-61
Instrument Date	Feb 11, 2022
Instrument	2022025707
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1955 MUSTANG CT, 1955, SAINT CLOUD, FL 34771-8388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5652 WESTERN SUN DR, SAINT CLOUD, FL 34771-7492

Mortgage

Document Number	0061511558
Date	Feb 16, 2022
Instrument	6151/1558

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1955 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 MUSTANG CT, SAINT CLOUD, FL 34771-8388

Mortgage

Document Number	0058171541
Date	Oct 22, 2020
Book Page	5817/1541
Instrument	2020142870

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jan 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2017
Property Address	1955 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Document Number	0052551082
Book / Page	5255 / 1082
Map Reference	MB4 PG59-61
Instrument Date	Dec 15, 2017
Instrument	2017179215
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,946.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1955 MUSTANG CT, 1955, SAINT CLOUD, FL 34771-8388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 MUSTANG CT, SAINT CLOUD, FL 34771-8388

Mortgage

Document Number	2017179216
Date	Dec 18, 2017
Instrument	2017179216

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1955 Mustang Ct was $6,844.

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	$6,844.00	$442,600 Land $131,300 Building $311,300	$442,600 Land $131,300 Building $311,300
2023	$6,067.00 (+84.07%)	$390,000 (+66.11%) Land $103,400 Building $286,600	$390,000 (+21.99%) Land $103,400 Building $286,600
2022	$3,296.00 Homeowner's exemption	$234,785	$319,700 Land $82,700 Building $237,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1955 Mustang Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.

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 File median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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

Wildfire risk around 1955 Mustang Ct is very high, ranking above 91% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 91% of the US · above 85% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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