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2201 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2201 Spring Lake Cir, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,230 sqft · built 1984
Lot Size0.519 acres (22,651 sqft)
OwnerIndividual Name on File
Last Sale$430,000 (Aug 2024)
Tax Bill$3,371 (2025)
Deeds & MortgagesJan 2025 Line of Credit
Aug 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN96856

Property Details

APN / Parcel Number

Primary APN96856
Alternative APN
  • 082631396200010040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,230 sqft Heated Area
Gross Area2,932 sqft
1st Floor Area1,830 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1984
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,651 sqft (0.519 acres)
Lot Dimensions225 ft deep x 100 ft wide
Garage TypeFinished
Garage Area546 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area556 sqft
FenceFence
Pole Barn324 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number96856
Street Address2201 SPRING LAKE CIR
CitySAINT CLOUD
StateFL
Zip34771-8856
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLIVE OAK SPRINGS PB 2 PG 291 LOT 4
Legal Range31E
Legal Township26S
Legal Section08
Legal SubdivisionLIVE OAK SPRINGS
Legal Tract3962
Legal Block1
Legal Lot Number4
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1009
Census Tract43301

Owner

Source: Osceola County records · APN 96856

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2201 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 28, 2025Deed of Trust, Mortgage · Line of Credit
MIDFLORIDA CU
Aug 09, 2024Warranty Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 09, 2024 · Amount on Record
Deed SaleAug 09, 2024 · Amount on Record
Deed Document Number2024103473
Deed Book / Page6647 / 1582
Record UpdatedJun 08, 2026

January 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2201 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0067312174
DateJan 28, 2025
Book Page6731/2174
Instrument2025011388
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeLine of Credit
AmountAmount Recorded
Term181 Months
DueFeb 15, 2040
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 09, 2024
Property Address2201 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number0066471582
Book / Page6647 / 1582
Map ReferenceMB 2 PG 291
Instrument DateAug 06, 2024
Instrument2024103473
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,010.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address17952 CUNNINGHAM CT, LAND O LAKES, FL 34638-7975

Transferred To (Grantee/Buyer)

NameVerified Name
Address2201 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number2024103474
DateAug 09, 2024
Instrument2024103474
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,371.00 (+71.2%) Homeowner's exemption$225,822 (+67.09%)$316,100 (+17.73%) Land $75,000 Building $241,100
2023$1,969.00 (+5.35%) Homeowner's exemption$135,147 (+3%)$268,500 (+13.29%) Land $55,000 Building $213,500
2022$1,869.00 Homeowner's exemption$131,211$237,000 Land $55,000 Building $182,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskModerate
above 57% of the US · above 28% of Florida
Wildfire LikelihoodAbout 1 in 654 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 223 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumFiber1,000 / 1,000
AT&TFixed Wireless100 / 20

May also be available at this address: Spectrum, Lumen Technologies, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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