2860 Windsong Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2860 Windsong Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,420 sqft · built 2024
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$96,500 (Apr 2021)
Tax Bill	$7,581 (2025)
Deeds & Mortgages	Dec 2021 Construction Loan Apr 2021 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`97955`

Property Details

APN / Parcel Number

Primary APN	`97955`
Alternative APN	`202631533800010120`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,420 sqft Heated Area
Gross Area	4,983 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	43,996 sqft (1.01 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97955
Street Address	2860 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 12
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	TYMBER COVE
Legal Tract	5338
Legal Block	1
Legal Lot Number	12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Mailing Address	2860 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Sep 24, 2020 · Amount on Record
Deed Document Number	2021058550
Deed Book / Page	5938 / 72
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2860 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 HICKORY TREE RD, SAINT CLOUD, FL 34772-8959

Mortgage

Document Number	0061012321
Date	Dec 7, 2021
Book Page	6101/2321
Instrument	2021188135

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 19, 2021
Property Address	2860 WINDSONG LN, SAINT CLOUD, FL 34772-7544
Document Number	0059380072
Book / Page	5938 / 72
Map Reference	MB 2 PG 106
Instrument Date	Apr 9, 2021
Instrument	2021058550
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$675.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1520 CALM WATERS CT, SAINT CLOUD, FL 34771-8872

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 HICKORY TREE RD, SAINT CLOUD, FL 34772-8959
Investor	Possibly a Property Investor

Mortgage

Document Number	0000593874
Date	Apr 19, 2021
Instrument	5938/74

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	8.37%

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	$7,581.00 (+1,019.79%) Homeowner's exemption	$565,300 (+1,065.57%) Land $60,600 Building $504,700	$565,300 (+1,065.57%) Land $60,600 Building $504,700
2023	$677.00 (-0.15%)	$48,500 (-) Land $48,500	$48,500 (-) Land $48,500
2022	$678.00	$48,500 Land $48,500	$48,500 Land $48,500

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

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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