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2161 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2161 Spring Lake Cir, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,206 sqft · built 1984
Lot Size0.686 acres (29,882 sqft)
Owner2 Individual Names on Record
Last Sale$130,000 (Sep 1996)
Tax Bill$2,577 (2025)
Deeds & MortgagesMay 2021 Mortgage
Oct 2025 Transfer
Flood ZoneZone X (minimal risk)
APN08-26-31-3962-0001-0010

Property Details

APN / Parcel Number

Primary APN08-26-31-3962-0001-0010
Alternative APNs
  • 263108396200010010
  • 96853

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,206 sqft Living Area
Gross Area2,838 sqft
1st Floor Area1,846 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area29,882 sqft (0.686 acres)
Lot Dimensions227 ft deep x 133 ft wide
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area406 sqft
PorchFlorida Room
Porch Area860 sqft
Deck Area350 sqft
Patio Area60 sqft
Shed1 Shed
Shed Area480 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2161 SPRING LAKE CIR
CitySAINT CLOUD
StateFL
Zip34771-8807
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS1
Legal DescriptionLIVE OAK SPRINGS PB 2 PG 291 LOT 1
Legal Range31E
Legal Township26S
Legal Section08
Legal SubdivisionLIVE OAK SPRINGS
Legal Tract3962
Legal Block10
Legal Lot Number1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1009
Census Tract43301

Owner

Source: Osceola County records, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
May 24, 2021Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA
Oct 31, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 1996 · Amount on Record
Deed SaleSep 30, 1996 · Amount on Record
Deed Book / Page1352 / 1609
Last Transfer DateOct 30, 2025
Transfer Doc0068732296
Record UpdatedJun 8, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Mortgage

Document Number0059641902
DateMay 24, 2021
Book Page5964/1902
Instrument2021079677
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJun 1, 2036

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 31, 2025
Property Address2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Document Number0068732296
Book / Page6873 / 2296
Map ReferenceMB 2 PG 291
Instrument DateOct 30, 2025
Instrument2025135223
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2161 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Transferred To (Grantee/Buyer)

NameVerified Name
Address2195 JAMES DR, SAINT CLOUD, FL 34771-8830

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,577.00 (+7.73%)$170,661 (+2.9%)$336,000 (+0.69%) Land $75,000 Building $261,000
2024$2,392.00 (+2.35%) Homeowner's exemption$165,852 (+3%)$333,700 (+16.72%) Land $75,000 Building $258,700
2023$2,337.00 (+4.99%) Homeowner's exemption$161,022 (+3%)$285,900 (+12.65%) Land $55,000 Building $230,900
2022$2,226.00 Homeowner's exemption$156,333$253,800 Land $55,000 Building $198,800

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 173 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 8 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 RiskModerate
above 56% of the US · lower than 71% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 223 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Spectrum
Fiber · Cable in parts of the area		1,000 / 1,000

May also be available: CenturyLink, Verizon.

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