2160 Staysail St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2160 Staysail St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,760 sqft · built 1976
Lot Size	1.01 acres (43,995 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Feb 2020)
Tax Bill	$3,651 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-31-5360-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`10-26-31-5360-0001-0550`
Alternative APNs	`263110536000010550` `97218`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,760 sqft Living Area
Gross Area	3,624 sqft
1st Floor Area	2,560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1986
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,995 sqft (1.01 acres)
Lot Dimensions	125 ft deep x 176 ft wide
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	648 sqft
Shed	1 Shed
Shed Area	80 sqft
Utility Building	392 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	2160 STAYSAIL ST
City	SAINT CLOUD
State	FL
Zip	34771-8619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	TYSON SUB # 3 PB 1 PG 295 LOTS 49, 50, 55 & 56
Legal Range	31E
Legal Township	26S
Legal Section	10
Legal Subdivision	TYSON NO 3
Legal Tract	5360
Legal Block	1
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	43700

Owner

2160 Staysail St is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619
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
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Feb 5, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Feb 5, 2020	Affidavit of Death, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2020 · Amount on File
Deed Sale	Feb 5, 2020 · Amount on File
Deed Document Number	202017800
Deed Book / Page	5669 / 1537
Prior Transfer Date	May 12, 2016
Prior Transfer Doc	0049610912
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619

Mortgage

Document Number	0059330877
Date	Apr 12, 2021
Book Page	5933/877
Instrument	2021054774

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2046

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2020
Property Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619
Document Number	0056691537
Book / Page	5669 / 1537
Map Reference	MB 1 PG 295
Instrument Date	Jan 21, 2020
Instrument	2020017800
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29570 W CAHILL CT, 29570, BIG PINE KEY, FL 33043-3355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619

Mortgage

Document Number	0056691539
Date	Feb 5, 2020
Instrument	5669/1539

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

February 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2020
Property Address	2160 STAYSAIL ST, SAINT CLOUD, FL 34771-8619
Document Number	0056691535
Book / Page	005669 / 001535
Instrument Date	Jan 21, 2020
Instrument	17799
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2160 STAYSAIL ST ST CLOUD FL 347718619, ST CLOUD, FL 34771-8619

Tax Assessment & Valuation

The 2025 property tax bill for 2160 Staysail St was $3,651 with exemptions applied, up 2.3% 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	$3,651.00 (+2.3%) Homeowner's exemption Senior Citizen's exemption	$265,100 Land $80,800 Building $184,300	$265,100 Land $80,800 Building $184,300
2024	$3,569.00 (-9.71%)
2023	$3,953.00 (+8.9%)	$238,600 (+9.2%) Land $75,800 Building $162,800	$238,600 (+9.2%) Land $75,800 Building $162,800
2022	$3,630.00	$218,500 Land $75,800 Building $142,700	$218,500 Land $75,800 Building $142,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2160 Staysail St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 2160 Staysail St is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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	HARMONY CDD public/private · serves 6,221 people · EPA ID FL3494427
Water Source	Groundwater
Last State Inspection	Jun 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2024) 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Xfinity.

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