Osceola County property record for 2876 Windsong Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,964 sqft · built 1987 |
| Lot Size | 1.3 acres (57,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Mar 2023) |
| Tax Bill | $4,962 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 97954 |
| Primary APN | 97954 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,964 sqft Heated Area |
| Gross Area | 3,024 sqft |
| 1st Floor Area | 1,964 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 57,064 sqft (1.3 acres) |
| Lot Dimensions | 202 ft deep x 431 ft wide |
| Garage Type | Finished |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 351 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 360 sqft |
| Deck Area | 753 sqft |
| Gazebo | 72 sqft |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 97954 |
|---|---|
| Street Address | 2876 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 11 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | TYMBER COVE |
| Legal Tract | 5338 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 43301 |
2876 Windsong Ln is owned and occupied by an individual who bought it in March 2023.
Source: Osceola County records, as of December 11, 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 Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2876 WINDSONG LN, SAINT CLOUD, FL 34772-7544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2023 · Amount on File |
| Deed Sale | Mar 24, 2023 · Amount on File |
| Deed Document Number | 2023033668 |
| Deed Book / Page | 6375 / 2942 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 24, 2023 |
| Property Address | 2876 WINDSONG LN, SAINT CLOUD, FL 34772-7544 |
| Document Number | 0063752942 |
| Book / Page | 6375 / 2942 |
| Map Reference | MB 2 PG 106 |
| Instrument Date | Mar 23, 2023 |
| Instrument | 2023033668 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21808 NW COUNTY ROAD 236, HIGH SPRINGS, FL 32643-7181 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2876 WINDSONG LN, SAINT CLOUD, FL 34772-7544 |
| Document Number | 0063752944 |
|---|---|
| Date | Mar 24, 2023 |
| Instrument | 6375/2944 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
The 2025 property tax bill for 2876 Windsong Ln was $4,962 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $4,962.00 Homeowner's exemption | $347,596 | $347,600 Land $114,000 Building $233,600 |
| 2023 | $2,365.00 (+4.92%) Homeowner's exemption | $164,985 (+3%) | $318,100 (+11.03%) Land $91,200 Building $226,900 |
| 2022 | $2,254.00 Homeowner's exemption | $160,180 | $286,500 Land $91,200 Building $195,300 |
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.
FEMA maps place 2876 Windsong Ln in Zone A, 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 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 File 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.
Wildfire risk around 2876 Windsong Ln is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, CenturyLink.
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