Osceola County property record for 2909 Summer Winds Cir, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,336 sqft · built 2000 |
| Lot Size | 0.114 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Jul 2022) |
| Tax Bill | $5,452 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Dec 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 81645 |
| Primary APN | 81645 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,336 sqft Heated Area |
| Gross Area | 2,106 sqft Gross Area |
| 1st Floor Area | 1,336 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,009 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 420 sqft Garage |
| Pool Area | 260 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 258 sqft Deck |
| Porch | Open Porch |
| Porch Area | 350 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 81645 |
|---|---|
| Street Address | 2909 SUMMER WINDS CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEVIEW VILLAGE PB 10 PG 46 LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKEVIEW VILLAGE |
| Legal Tract | 590 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 81645
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4047 HARPER AVE, BRONX, NY 10466-2403 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2022 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Jan 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage PARTNERS FCU |
| Jul 13, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2022 · Amount on Record |
| Deed Sale | Jul 07, 2022 · Amount on Record |
| Prior Sale | Jan 14, 2019 · Amount on Record |
| Deed Document Number | 2022105488 |
| Deed Book / Page | 6247 / 1514 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 07, 2022 |
| Property Address | 2909 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0062471514 |
| Book / Page | 6247 / 1514 |
| Map Reference | MB 10 PG 46 |
| Instrument Date | Jul 05, 2022 |
| Instrument | 2022105488 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 119 NESTING TRL, 119, SAINT CLOUD, FL 34769-1916 |
| Name | Verified Name |
|---|---|
| Address | 4047 HARPER AVE, BRONX, NY 10466-2403 |
| Document Number | 0062471515 |
|---|---|
| Date | Jul 07, 2022 |
| Instrument | 6247/1515 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2909 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058560105 |
|---|---|
| Date | Dec 21, 2020 |
| Book Page | 5856/105 |
| Instrument | 2020173570 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 14, 2019 |
| Property Address | 2909 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0054620655 |
| Book / Page | 5462 / 0655 |
| Map Reference | MB 10 PG 46 |
| Instrument Date | Dec 07, 2018 |
| Instrument | 2019004899 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 688 NE MARANTA TERRADO, 688, JENSEN BEACH, FL 34957-6613 |
| Name | Verified Name |
|---|---|
| Address | 2909 SUMMER VINDS CIRCLE, SAINT CLOUD, FL 34769-6341 |
| Document Number | 2019004900 |
|---|---|
| Date | Jan 14, 2019 |
| Instrument | 2019004900 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2017 |
| Property Address | 2909 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0051782335 |
| Book / Page | 005178 / 002335 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 101991 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $455.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 2909 SUMMER WINDS CIR ST CLOUD FL 347696341, ST CLOUD, FL 34769-6341 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,452.00 (+9.81%) | $304,400 (+10.49%) Land $55,000 Building $249,400 | $304,400 (+10.49%) Land $55,000 Building $249,400 |
| 2023 | $4,965.00 (+114.84%) | $275,500 (+61.7%) Land $50,000 Building $225,500 | $275,500 (+20.41%) Land $50,000 Building $225,500 |
| 2022 | $2,311.00 Homeowner's exemption | $170,373 | $228,800 Land $45,000 Building $183,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 37% of the US · above 11% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,639 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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