2821 Willowseed Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2821 Willowseed Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,272 sqft · built 2024
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$546,600 (Apr 2024)
Tax Bill	$9,137 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631526500011097`

Property Details

APN / Parcel Number

Primary APN	`202631526500011097`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,272 sqft Heated Area
Gross Area	3,321 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2821 WILLOWSEED LN
City	SAINT CLOUD
State	FL
Zip	34772-9363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES PH 8 PB 31 PGS 8-14 LOT 1097
Legal Subdivision	TWIN LAKES PHS 8 TEMP
Legal Phase	8
Legal Lot Number	1097
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43301

Owner

Source: Osceola County records · APN 202631526500011097

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Jul 16, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 05, 2024	Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Apr 05, 2024 · Amount on Record
Deed Sale	Apr 05, 2024 · Amount on Record
Prior Sale	Apr 05, 2024 · Amount on Record
Deed Document Number	0065772615
Deed Book / Page	6577 / 2615
Last Transfer Date	Jul 16, 2025
Transfer Doc	0068201428
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363

Mortgage

Document Number	0068722922
Date	Oct 30, 2025
Book Page	6872/2922
Instrument	2025134537

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2025
Property Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363
Document Number	0068201428
Book / Page	6820 / 1428
Map Reference	MB 31 PG 8-14
Instrument Date	Jul 10, 2025
Instrument	2025088620
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 05, 2024
Property Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363
Document Number	0065772615
Book / Page	6577 / 2615
Map Reference	MB 31 PGS 8
Instrument Date	Mar 28, 2024
Instrument	2024043668
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,826.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 WILLOWSEED LN, SAINT CLOUD, FL 34772-9363

Mortgage

Document Number	0065772617
Date	Apr 05, 2024
Instrument	6577/2617

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,137.00 (+311.76%) Homeowner's exemption	$465,900 (+676.5%) Land $80,000 Building $385,900	$465,900 (+676.5%) Land $80,000 Building $385,900
2023	$2,219.00 (+11.34%)	$60,000 (+33.33%) Land $60,000	$60,000 (+33.33%) Land $60,000
2022	$1,993.00	$45,000 Land $45,000	$45,000 Land $45,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 70% of the US · above 51% of Florida
Wildfire Likelihood	About 1 in 315 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Spectrum	Fiber	1,000 / 1,000

May also be available at this address: Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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