2250 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2250 Spring Lake Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,166 sqft · built 1987
Lot Size	0.602 acres (26,223 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (May 2026)
Tax Bill	$6,569 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-26-31-3962-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`08-26-31-3962-0001-0170`
Alternative APNs	`263108396200010170` `96870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,166 sqft Living Area
Gross Area	3,283 sqft
1st Floor Area	2,166 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,223 sqft (0.602 acres)
Lot Dimensions	264 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Enclosed/Finished Porch
Porch Area	669 sqft
Deck Area	868 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2250 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 17
Legal Range	31E
Legal Township	26S
Legal Section	08
Legal Subdivision	LIVE OAK SPRINGS
Legal Tract	3962
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43301

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC
May 1, 2026	Warranty Deed, Transfer · FHA Mortgage ALKAN MORTGAGE CORPORATION
Sep 15, 2017	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Apr 29, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Mar 16, 2015 · Amount on Record
Deed Document Number	202658108
Deed Book / Page	6965 / 610
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number	0058752061
Date	Jan 22, 2021
Book Page	5875/2061
Instrument	2021010112

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number	0065220002
Date	Dec 19, 2023
Book Page	6522/2
Instrument	2023165252

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Nov 20, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number	0068991127
Date	Dec 29, 2025
Book Page	6899/1127
Instrument	2025157613

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	5 Months
Due	May 1, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2026
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number	0000058108
Book / Page	6965 / 610
Instrument Date	Apr 30, 2026
Instrument	2026.58108
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	GOLDPEN TITLE EXPERTS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342,895.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number	0000058109,
Date	May 1, 2026
Instrument	2026..58109

Lender

Name	ALKAN MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052080763
Date	Sep 15, 2017
Book Page	5208/0763
Instrument	2017130764

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2250 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number	0055191339
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2250 SPRING LAKE CIR ST CLOUD FL 347718856, ST CLOUD, FL 34771-8856

Mortgage

Document Number	0055191339
Date	May 6, 2019
Book Page	005519/001339
Instrument	57898

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

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	$6,569.00 (+3.64%)	$406,600 (+54.74%) Land $75,000 Building $331,600	$406,600 (+15.77%) Land $75,000 Building $331,600
2024	$6,338.00 (+67.54%)
2023	$3,783.00 (+4.16%) Homeowner's exemption	$262,764 (+3%)	$351,200 (+13.66%) Land $55,000 Building $296,200
2022	$3,632.00 Homeowner's exemption	$255,111	$309,000 Land $55,000 Building $254,000

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 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	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 Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 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 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Xfinity.

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