Osceola County property record for 2780 Windsong Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,181 sqft · built 1982 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $511,000 (Aug 2022) |
| Tax Bill | $4,815 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-31-5338-0001-0210 |
| Primary APN | 20-26-31-5338-0001-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,181 sqft Living Area |
| Gross Area | 3,595 sqft |
| 1st Floor Area | 2,181 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 880 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 760 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 344 sqft |
| Deck Area | 1,128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2780 WINDSONG LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7506 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA1A |
| Legal Description | TYMBER COVE SUB PB 2 PG 106 & 107 LOT 21 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | TYMBER COVE |
| Legal Tract | 5338 |
| Legal Block | 210 |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 43301 |
Source: Osceola County records, as of November 26, 2025
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 | 2780 WINDSONG LN, SAINT CLOUD, FL 34772-7506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Jun 30, 2014 · Amount on Record |
| Deed Document Number | 2022125759 |
| Deed Book / Page | 6269 / 2970 |
| Prior Transfer Date | Apr 14, 2006 |
| Prior Transfer Doc | 0031912028 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 16, 2022 |
| Property Address | 2780 WINDSONG LN, SAINT CLOUD, FL 34772-7506 |
| Document Number | 0062692970 |
| Book / Page | 6269 / 2970 |
| Map Reference | MB 2 PG 106&107 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 2022125759 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,577.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2780 WINDSONG LN, 2780, SAINT CLOUD, FL 34772-7506 |
| Name | Verified Name |
|---|---|
| Address | 2780 WINDSONG LN, SAINT CLOUD, FL 34772-7506 |
| Document Number | 0062692972 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 6269/2972 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2780 WINDSONG LN, SAINT CLOUD, FL 34772-7506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057580676 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 5758/676 |
| Instrument | 2020094552 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2040 |
Source: Osceola County assessment roll, as of November 26, 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 | $4,815.00 (-7.1%) Homeowner's exemption | $337,000 (+10.82%) Land $62,400 Building $274,600 | $337,000 (+10.82%) Land $62,400 Building $274,600 |
| 2024 | $5,183.00 (+6.47%) | ||
| 2023 | $4,868.00 (+83.56%) | $304,100 (+61.18%) Land $49,900 Building $254,200 | $304,100 (+13.43%) Land $49,900 Building $254,200 |
| 2022 | $2,652.00 Homeowner's exemption | $188,676 | $268,100 Land $49,900 Building $218,200 |
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.
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 |
|---|---|
| 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 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Hotwire Communications, Verizon, Xfinity.
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