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2281 Spring Lake Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2281 Spring Lake Cir, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,356 sqft · built 1984
Lot Size1.94 acres (84,593 sqft)
Owner2 Trust Names on File
Tax Bill$7,057 (2025)
Deeds & MortgagesOct 2018 Sale
Flood ZoneZone AE (high risk)
APN08-26-31-3962-0001-0140

Property Details

APN / Parcel Number

Primary APN08-26-31-3962-0001-0140
Alternative APNs
  • 263108396200010140
  • 96867

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,356 sqft Living Area
Gross Area3,319 sqft
1st Floor Area2,176 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area84,593 sqft (1.94 acres)
Lot Dimensions460 ft deep x 138 ft wide
Garage TypeAttached
Garage Area575 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area568 sqft
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2281 SPRING LAKE CIR
CitySAINT CLOUD
StateFL
Zip34771-8856
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAE1
Legal DescriptionLIVE OAK SPRINGS PB 2 PG 291 LOT 14
Legal Range31E
Legal Township26S
Legal Section08
Legal SubdivisionLIVE OAK SPRINGS
Legal Tract3962
Legal Block140
Legal Lot Number14
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1009
Census Tract43301

Owner

2281 Spring Lake Cir is held in a trust since October 2018.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Trust Names on File
Mailing Address702 S DELAWARE AVE, TAMPA, FL 33606-2913
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateOct 22, 2018
Transfer Doc0054241522
Record UpdatedJun 8, 2026

October 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateOct 26, 2018
Property Address2281 SPRING LAKE CIR, SAINT CLOUD, FL 34771-8856
Document Number0054241522
Book / Page005424 / 001522
Instrument DateOct 22, 2018
Instrument160635
Transaction TypeTransfer
Record UpdatedNov 13, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address702 S DELAWARE AVE TAMPA FL 336062913, TAMPA, FL 33606-2913

Tax Assessment & Valuation

The 2025 property tax bill for 2281 Spring Lake Cir was $7,057, up 9.3% 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$7,057.00 (+9.28%)$441,800 Land $162,500 Building $279,300$441,800 Land $162,500 Building $279,300
2024$6,458.00 (+11.23%)
2023$5,806.00 (+10.07%)$366,900 (+11.08%) Land $119,600 Building $247,300$366,900 (+11.08%) Land $119,600 Building $247,300
2022$5,275.00$330,300 Land $119,600 Building $210,700$330,300 Land $119,600 Building $210,700

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

Flood

FEMA maps place 2281 Spring Lake Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation66.0 ft
Flood Insurance RequirementRequired
federally backed loans
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 2281 Spring Lake Cir is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 62% of the US · lower than 62% of Florida
Wildfire Likelihood0.1% 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 46 locations within half a mile, as of December 31, 2025

ProviderMax 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.

Nearby Properties on Spring Lake Cir

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