1995 Mustang Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1995 Mustang Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,431 sqft · built 1987
Lot Size	3.95 acres (172,062 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (May 2024)
Tax Bill	$4,747 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-2599-0001-3140`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-3140`
Alternative APNs	`263218259900013140` `103331`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,431 sqft Living Area
Gross Area	2,995 sqft
1st Floor Area	1,787 sqft
Upper Floors Area	644 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	172,062 sqft (3.95 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	60 sqft
Shed	1 Shed
Shed Area	80 sqft
Utility Building	336 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1995 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 314 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	3140
Legal Lot Number	314
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

1995 Mustang Ct is owned and occupied by two individuals who bought it in May 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 17, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2024 · Amount on File
Deed Sale	May 24, 2024 · Amount on File
Prior Sale	Mar 14, 2022 · Amount on File
Deed Document Number	202468966
Deed Book / Page	6606 / 743
Prior Transfer Date	Jun 28, 2004
Prior Transfer Doc	0000230115
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2022
Property Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Document Number	0061711052
Book / Page	6171 / 1052
Map Reference	MB 4 PG 59-61
Instrument Date	Mar 10, 2022
Instrument	2022040874
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1995 MUSTANG CT, 1995, SAINT CLOUD, FL 34771-8388

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388

Mortgage

Document Number	0061711054
Date	Mar 14, 2022
Instrument	6171/1054

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053840503
Date	Aug 14, 2018
Book Page	5384/0503
Instrument	2018123552

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2058

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056751791
Date	Feb 17, 2020
Book Page	5675/1791
Instrument	2020023402

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 MUSTANG CT, SAINT CLOUD, FL 34771-8388

Mortgage

Document Number	0059790846
Date	Jun 11, 2021
Book Page	5979/846
Instrument	2021091284

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1995 Mustang Ct was $4,747, down 30.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,747.00 (-30.37%)	$332,110	$489,100 Land $131,300 Building $357,800
2024	$6,817.00 (+2.62%)
2023	$6,643.00 (+100.39%)	$431,200 (+82.63%) Land $103,400 Building $327,800	$431,200 (+22.19%) Land $103,400 Building $327,800
2022	$3,315.00 Homeowner's exemption	$236,102	$352,900 Land $82,700 Building $270,200

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 1995 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 1995 Mustang Ct is high, ranking above 89% of the US, with a 0.9% annual chance of wildfire.

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

Wildfire Risk	High above 89% of the US · above 82% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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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