2800 Windsong Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2800 Windsong Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,928 sqft · built 1981
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Apr 2021)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`97961`

Property Details

APN / Parcel Number

Primary APN	`97961`
Alternative APN	`202631533800010190`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,928 sqft Heated Area
Gross Area	3,764 sqft
1st Floor Area	2,928 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Finished
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Patio Area	610 sqft
Fence	Fence
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97961
Street Address	2800 WINDSONG LN
City	SAINT CLOUD
State	FL
Zip	34772-7544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	TYMBER COVE SUB PB 2 PG 106 & 107 LOT 19
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	TYMBER COVE
Legal Tract	5338
Legal Block	1
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Deed of Trust, Mortgage · Commercial Mortgage ALC LENDING LLC
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2018	Warranty Deed, Transfer · Construction Mortgage HIS CAPITAL SOURCE FLORIDA
Jun 4, 2018	Warranty Deed, Transfer CLASSIC TITLE AND SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Jun 4, 2018 · Amount on Record
Deed Document Number	2021049347
Deed Book / Page	5926 / 1244
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055690523
Date	Aug 6, 2019
Book Page	5569/0523
Instrument	2019101418

Lender

Name	ALC LENDING LLC
Address	MIAMI, FL 33131

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Aug 1, 2021

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2021
Property Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Document Number	0059261244
Book / Page	5926 / 1244
Map Reference	MB 2 PG 106&107
Instrument Date	Mar 31, 2021
Instrument	2021049347
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NU WORLD TITLE/MIAMI BCH LLC, NU WORLD TTL OF MIAMI BEACH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	848 BRICKELL AVE STE 605, 848, MIAMI, FL 33131-2915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544

Mortgage

Document Number	0059261246
Date	Apr 1, 2021
Instrument	5926/1246

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2018
Property Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Document Number	0053380879
Book / Page	005338 / 000879
Instrument Date	May 18, 2018
Instrument	80742
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	TITLE TEAM LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	200 S BISCAYNE BLVD #4650 MIAMI FL 331312340, 4650, MIAMI, FL 33131-2340

Mortgage

Document Number	53380880
Date	May 22, 2018
Book Page	005338/000880
Instrument	80743

Lender

Name	HIS CAPITAL SOURCE FLORIDA
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 21, 2019

Interest

Rate	18%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2018
Property Address	2800 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Document Number	0053431760
Book / Page	005343 / 001760
Instrument Date	May 18, 2018
Instrument	85722
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	CLASSIC TITLE AND SOLUTIONS INC

Transaction

Amount	Amount Recorded
Tax	$1,540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	85 CEDAR DUNES DR NEW SMYRNA BEACH FL 321693861, NEW SMYRNA BEACH, FL 32169-3861

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,388.00 (+10.03%)	$337,500 (+7.38%) Land $64,100 Building $273,400	$337,500 (+7.38%) Land $64,100 Building $273,400
2023	$4,897.00 (+11.3%)	$314,300 (+14.88%) Land $51,300 Building $263,000	$314,300 (+14.88%) Land $51,300 Building $263,000
2022	$4,400.00	$273,600 Land $51,300 Building $222,300	$273,600 Land $51,300 Building $222,300

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
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 64% of the US · above 41% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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