Osceola County property record for 2209 Spring Lake Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,843 sqft · built 1988 |
| Lot Size | 0.539 acres (23,522 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $140,000 (May 1999) |
| Tax Bill | $2,286 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 96857 |
| Primary APN | 96857 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,843 sqft Heated Area |
| Gross Area | 2,938 sqft |
| 1st Floor Area | 1,843 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.539 acres) |
| Lot Dimensions | 237 ft deep x 99 ft wide |
| Garage Type | Finished |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 578 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 445 sqft |
| Deck Area | 572 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 96857 |
|---|---|
| Street Address | 2209 SPRING LAKE CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS1 |
| Legal Description | LIVE OAK SPRINGS PB 2 PG 291 LOT 5 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 08 |
| Legal Subdivision | LIVE OAK SPRINGS |
| Legal Tract | 3962 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 43301 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 2209 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 1999 · Amount on Record |
| Deed Sale | May 4, 1999 · Amount on Record |
| Deed Document Number | 0161200185 |
| Deed Book / Page | 01612 / 00185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2209 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0053561795 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 5356/1795 |
| Instrument | 2018097949 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,286.00 (+10.65%) Homeowner's exemption | $150,456 (+5.99%) | $323,500 (+16.49%) Land $75,000 Building $248,500 |
| 2023 | $2,066.00 (+5.25%) Homeowner's exemption | $141,958 (+3%) | $277,700 (+12.79%) Land $55,000 Building $222,700 |
| 2022 | $1,963.00 Homeowner's exemption | $137,824 | $246,200 Land $55,000 Building $191,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 173 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 173 in force |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 223 locations within half a mile, as of December 31, 2025
| Provider | Max 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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