2900 Windsong Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2900 Windsong Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,632 sqft · built 1981
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Apr 2020)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Apr 2020 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`20-26-31-5338-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-5338-0001-0090`
Alternative APNs	`263120533800010090` `97952`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,632 sqft Living Area
1st Floor Area	2,272 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,647 sqft (1 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	576 sqft
Porch	Florida Room
Porch Area	610 sqft
Deck Area	600 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2900 WINDSONG LN
City	SAINT CLOUD
State	FL
Zip	34772-7658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	TYMBER COVE SUB PB 2 PG 106 & 107 LOT 9
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	TYMBER COVE
Legal Tract	5338
Legal Block	90
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

Owner

2900 Windsong Ln is owned and occupied by two individuals who bought it in April 2020.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2900 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Apr 14, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Apr 14, 2020	Warranty Deed, Transfer LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	Apr 14, 2020 · Amount on File
Deed Document Number	202050542
Deed Book / Page	5707 / 2212
Prior Transfer Date	May 17, 2004
Prior Transfer Doc	0025180191
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2900 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 WLNDSONG LN, SAINT CLOUD, FL 34772-7658

Mortgage

Document Number	0063220307
Date	Nov 30, 2022
Book Page	6322/307
Instrument	2022172116

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 21, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2020
Property Address	2900 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0057072212
Book / Page	005707 / 002212
Instrument Date	Apr 13, 2020
Instrument	50542
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2900 WINDSONG LN ST CLOUD FL 347727658, ST CLOUD, FL 34772-7658

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 14, 2020
Property Address	2900 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0057072210
Book / Page	5707 / 2210
Map Reference	MB 2 PG 106&107
Instrument Date	Apr 13, 2020
Instrument	2020050541
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2900 WINDSONG LN, SAINT CLOUD, FL 34772-7658

Tax Assessment & Valuation

The 2025 property tax bill for 2900 Windsong Ln was $3,520 with a homeowner's exemption, up 5.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$3,520.00 (+5.36%) Homeowner's exemption	$243,539	$319,600 Land $60,000 Building $259,600
2024	$3,341.00 (+2.2%)
2023	$3,269.00 (+4.34%) Homeowner's exemption	$229,783 (+3%)	$295,900 (+13.2%) Land $48,000 Building $247,900
2022	$3,133.00 Homeowner's exemption	$223,091	$261,400 Land $48,000 Building $213,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2900 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	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

Wildfire risk around 2900 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.

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 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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