2171 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2171 Spring Lake Cir, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,917 sqft · built 1983
Lot Size0.515 acres (22,433 sqft)
OwnerIndividual Name on File
Tax Bill$3,626 (2025)
Deeds & MortgagesJun 2026 Sale & Mortgage
Jun 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN08-26-31-3962-0001-0020

Property Details

APN / Parcel Number

Primary APN08-26-31-3962-0001-0020
Alternative APNs
  • 263108396200010020
  • 96854

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,917 sqft Living Area
Gross Area2,968 sqft
1st Floor Area1,917 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,433 sqft (0.515 acres)
Lot Dimensions225 ft deep x 100 ft wide
Garage TypeAttached
Garage Area625 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchFinished/Open Porch
Porch Area426 sqft
Deck Area400 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2171 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 2
Legal Range31E
Legal Township26S
Legal Section08
Legal SubdivisionLIVE OAK SPRINGS
Legal Tract3962
Legal Block20
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1009
Census Tract43301

Owner

2171 Spring Lake Cir is owned and occupied by an individual who acquired it in November 2020.

Source: Osceola County records, as of June 12, 2026

Owner of RecordIndividual Name on File
Mailing Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Jun 2, 2026Quit Claim Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
Jun 2, 2026Quit Claim Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
Nov 17, 2020Quit Claim Deed, Transfer · FHA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 17, 2020
Deed SaleNov 17, 2020
Prior SaleSep 14, 2016 · Amount on File
Deed Document Number2020157153
Deed Book / Page5834 / 1301
Prior Transfer DateNov 3, 2020
Prior Transfer Doc0058341301
Record UpdatedOct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 2, 2026
Property Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Document Number0069792754
Book / Page6979 / 2754
Instrument DateSep 16, 2025
Instrument202671191
Transaction TypeTransfer
Record UpdatedAug 29, 2026
Title CompanyMORTGAGE CONNECT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Mortgage

Document Number0000071192,
DateJun 2, 2026
Instrument202671192
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2055
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 2, 2026
Property Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Document Number0000071191
Book / Page6979 / 2754
Instrument DateSep 16, 2025
Instrument202671191
Transaction TypeTransfer
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Mortgage

Document Number0000071192,
DateJun 2, 2026
Instrument202671192
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2055
Interest
Rate TypeFixed Rate
Rate6.3%
Initial TypeFixed Rate
Max Rate-1%

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 17, 2020
Property Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807
Document Number0058341301
Book / Page5834 / 1301
Map ReferenceMB 2 PG 291
Instrument DateNov 3, 2020
Instrument2020157153
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCHAMPION TITLE & CLOSING

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3601 WILDER LN, 3601, ORLANDO, FL 32804-3533

Transferred To (Grantee/Buyer)

NameVerified Name
Address2171 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8807

Mortgage

Document Number0058341303
DateNov 17, 2020
Instrument5834/1303
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2171 Spring Lake Cir was $3,626 with a homeowner's exemption, up 7% from the year before.

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$3,626.00 (+7.02%) Homeowner's exemption$243,530$332,200 Land $75,000 Building $257,200
2024$3,388.00 (+2.23%)
2023$3,314.00 (+4.35%) Homeowner's exemption$229,774 (+3%)$284,800 (+12.7%) Land $55,000 Building $229,800
2022$3,176.00 Homeowner's exemption$223,082$252,700 Land $55,000 Building $197,700

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

Flood

FEMA maps place 2171 Spring Lake Cir 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 2171 Spring Lake Cir 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 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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