2261 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2261 Spring Lake Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,652 sqft · built 1987
Lot Size	0.904 acres (39,378 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Apr 2024)
Tax Bill	$7,398 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-26-31-3962-0001-0120`

Property Details

APN / Parcel Number

Primary APN	`08-26-31-3962-0001-0120`
Alternative APNs	`263108396200010120` `96865`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,652 sqft Living Area
Gross Area	3,728 sqft
1st Floor Area	2,652 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,378 sqft (0.904 acres)
Lot Dimensions	315 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Finished/Open Porch
Porch Area	320 sqft
Deck Area	580 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2261 SPRING LAKE CIR
City	SAINT CLOUD
State	FL
Zip	34771-8856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	LIVE OAK SPRINGS PB 2 PG 291 LOT 12
Legal Range	31E
Legal Township	26S
Legal Section	08
Legal Subdivision	LIVE OAK SPRINGS
Legal Tract	3962
Legal Block	120
Legal Lot Number	12
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	2 Individual Names on Record
Mailing Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Apr 3, 2024	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Mar 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2024 · Amount on Record
Deed Sale	Apr 3, 2024 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	202442033
Deed Book / Page	6575 / 2555
Prior Transfer Date	Mar 8, 2017
Prior Transfer Doc	0051190773
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2026
Property Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number	0000057991
Book / Page	6965 / 130
Instrument Date	Apr 24, 2026
Instrument	202657991
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

Mortgage

Document Number	0000057991,
Date	May 1, 2026
Book Page	6965/130
Instrument	202657991

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2024
Property Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number	0065752555
Book / Page	6575 / 2555
Map Reference	MB 2 PG 291
Instrument Date	Apr 1, 2024
Instrument	2024042033
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$3,290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1701 BALL PARK ROAD UNIT 330, 330, KISSIMMEE, FL 34741-1140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 20, 2017
Property Address	2261 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number	0051190773
Book / Page	005119 / 000773
Instrument Date	Mar 8, 2017
Instrument	42519
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2261 SPRING LAKE CIR ST CLOUD FL 347718856, ST CLOUD, FL 34771-8856

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	$7,398.00 (+146.76%)	$464,100 (+128.81%) Land $125,000 Building $339,100	$464,100 (+18.06%) Land $125,000 Building $339,100
2024	$2,998.00 (+2.29%)
2023	$2,931.00 (+4.53%) Homeowner's exemption	$202,833 (+3%)	$393,100 (+12.09%) Land $92,000 Building $301,100
2022	$2,804.00 Homeowner's exemption	$196,926	$350,700 Land $92,000 Building $258,700

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.

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 100 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	Direct 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 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 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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