Osceola County property record for 2923 Summer Winds Cir, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,133 sqft · built 1999 |
| Lot Size | 0.127 acres (5,532 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Feb 2015) |
| Tax Bill | $1,523 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-26-30-0590-0001-0120 |
| Primary APN | 03-26-30-0590-0001-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,133 sqft Living Area |
| Gross Area | 1,717 sqft |
| 1st Floor Area | 1,133 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,532 sqft (0.127 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2923 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 12 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKEVIEW VLG |
| Legal Tract | 590 |
| Legal Block | 120 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0590-0001-0120
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 2923 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Apr 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 12, 2015 · Amount on Record |
| Deed Sale | Feb 12, 2015 · Amount on Record |
| Prior Sale | Dec 11, 2009 · Amount on Record |
| Deed Document Number | 201525 |
| Deed Book / Page | 4734 / 2686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2923 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2923 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0063942663 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 6394/2663 |
| Instrument | 2023050666 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2923 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2923 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0059430700 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 5943/700 |
| Instrument | 2021062532 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $1,523.00 (+7.63%) Homeowner's exemption | $127,981 (+5.99%) | $264,100 (+10.36%) Land $55,000 Building $209,100 |
| 2023 | $1,415.00 (+4.58%) Homeowner's exemption | $120,753 (+3%) | $239,300 (+21.04%) Land $50,000 Building $189,300 |
| 2022 | $1,353.00 Homeowner's exemption | $117,236 | $197,700 Land $45,000 Building $152,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 71 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017, Hurricane Irma |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 420 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: AT&T, Lumen Technologies, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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