2915 Christy Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2915 Christy Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1989
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2023)
Tax Bill	$3,494 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86579`

Property Details

APN / Parcel Number

Primary APN	`86579`
Alternative APN	`222630282100010060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Heated Area
Gross Area	1,866 sqft
1st Floor Area	1,380 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Finished
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	30 sqft
Patio Area	189 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	86579
Street Address	2915 CHRISTY LN
City	SAINT CLOUD
State	FL
Zip	34772-7698
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1A
Legal Description	C JS LANDING PB 5 PG 99 LOT 6
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CJ S LANDING
Legal Tract	2821
Legal Block	1
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2915 CHRISTY LN, SAINT CLOUD, FL 34772-7698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 11, 2019	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Document Number	2023063134
Deed Book / Page	6408 / 2156
Record Updated	Jun 8, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2023
Property Address	2915 CHRISTY LN, SAINT CLOUD, FL 34772-7698
Document Number	0064082156
Book / Page	6408 / 2156
Map Reference	MB 5 PG 99
Instrument Date	May 12, 2023
Instrument	2023063134
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 N DIXIE DR, FROSTPROOF, FL 33843-9764

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2915 CHRISTY LN, SAINT CLOUD, FL 34772-7698

Mortgage

Document Number	0064082158
Date	May 17, 2023
Instrument	6408/2158

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2915 CHRISTY LN, SAINT CLOUD, FL 34772-7698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053811376
Date	Aug 8, 2018
Book Page	5381/1376
Instrument	2018121102

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2019
Property Address	2915 CHRISTY LN, SAINT CLOUD, FL 34772-7698
Document Number	0055870272
Book / Page	005587 / 000272
Instrument Date	Sep 10, 2019
Instrument	116783
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

Amount	Amount Recorded
Tax	$1,372.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	265 E LAKE SHORE BLVD KISSIMMEE FL 347445117, KISSIMMEE, FL 34744-5117

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	$3,494.00 (-6.02%) Homeowner's exemption	$215,472 (+7.68%)	$247,200 (+23.54%) Land $70,000 Building $177,200
2023	$3,718.00 (+12.63%)	$200,100 (+15.8%) Land $50,000 Building $150,100	$200,100 (+15.8%) Land $50,000 Building $150,100
2022	$3,301.00	$172,800 Land $45,000 Building $127,800	$172,800 Land $45,000 Building $127,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
CenturyLink DSL	140 / 20

May also be available: AT&T, Verizon, Xfinity.

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