2020 Mustang Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2020 Mustang Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,983 sqft · built 2024
Lot Size	1.03 acres (44,954 sqft)
Owner	Individual Name on File
Last Sale	$605,000 (Jun 2024)
Tax Bill	$3,859 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Jun 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`103256`

Property Details

APN / Parcel Number

Primary APN	`103256`
Alternative APN	`182632259900012390`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Heated Area
Gross Area	2,865 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,954 sqft (1.03 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103256
Street Address	2020 MUSTANG CT
City	SAINT CLOUD
State	FL
Zip	34771-8384
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 239 07/26/32
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	7,239
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1010
Census Tract	43801

Owner

2020 Mustang Ct is owned and occupied by an individual who bought it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2020 MUSTANG CT, SAINT CLOUD, FL 34771-8384
Occupancy	Owner Occupied
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
Aug 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC
Jun 28, 2024	Warranty Deed, Transfer · Conventional Mortgage JMAC LENDING INC
Jul 28, 2020	Warranty Deed, Transfer STEWART TITLE
Jul 10, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Prior Sale	Jul 28, 2020 · Amount on File
Deed Document Number	2024085001
Deed Book / Page	6625 / 48
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2020 MUSTANG CT, SAINT CLOUD, FL 34771-8384
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9393 PINTO DR, LAKE WORTH, FL 33467-1035

Mortgage

Document Number	0066422556
Date	Aug 1, 2024
Book Page	6642/2556
Instrument	2024099711

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2054

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 28, 2024
Property Address	2020 MUSTANG CT, SAINT CLOUD, FL 34771-8384
Document Number	0066250048
Book / Page	6625 / 48
Map Reference	MB 4 PG 59
Instrument Date	Jun 27, 2024
Instrument	2024085001
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9393 PINTO DR, LAKE WORTH, FL 33467-1035

Mortgage

Document Number	2024085002
Date	Jun 28, 2024
Instrument	2024085002

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2020
Property Address	2020 MUSTANG CT, SAINT CLOUD, FL 34771-8384
Document Number	0057622515
Book / Page	005762 / 002515
Instrument Date	Jul 24, 2020
Instrument	97945
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$438.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8581 LAKE NONA SHORE DR ORLANDO FL 328277303, ORLANDO, FL 32827-7303

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 10, 2017
Property Address	2020 MUSTANG CT, SAINT CLOUD, FL 34771-8384
Document Number	0051762267
Book / Page	005176 / 002267
Instrument Date	Jun 30, 2017
Instrument	99911
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$157.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9375 FONTAINEBLEAU BLVD #L118 MIAMI FL 331724621, L118, MIAMI, FL 33172-4621

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Mustang Ct was $3,859 with a homeowner's exemption.

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	$3,859.00 Homeowner's exemption	$267,992	$484,100 Land $97,200 Building $386,900
2023	$955.00 (+16.04%)	$76,500 (+25%) Land $76,500	$76,500 (+25%) Land $76,500
2022	$823.00	$61,200 Land $61,200	$61,200 Land $61,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2020 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 2020 Mustang Ct is high, ranking above 82% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	0.8% 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 53 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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