2925 Summer Winds Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2925 Summer Winds Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,133 sqft · built 2000
Lot Size	0.117 acres (5,140 sqft)
Owner	Individual Name on Record
Last Sale	$221,900 (Mar 2021)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Apr 2022 Transfer Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`81657`

Property Details

APN / Parcel Number

Primary APN	`81657`
Alternative APN	`032630059000010130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,133 sqft Heated Area
Gross Area	1,717 sqft
1st Floor Area	1,133 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,140 sqft (0.117 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81657
Street Address	2925 SUMMER WINDS CIR
City	SAINT CLOUD
State	FL
Zip	34769-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	LAKEVIEW VILLAGE PB 10 PG 46 LOT 13
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VILLAGE
Legal Tract	590
Legal Block	1
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

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	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Intrafamily Transfer, Transfer
Mar 18, 2021	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 4, 2018	Deed of Trust, Transfer · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	Mar 18, 2021 · Amount on Record
Deed Document Number	0059151726
Deed Book / Page	5915 / 1726
Last Transfer Date	Apr 7, 2022
Transfer Doc	0061891198
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2022
Property Address	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0061891198
Book / Page	6189 / 1198
Map Reference	MB 10 PG 46
Instrument Date	Jan 4, 2022
Instrument	2022055384
Transaction Type	Transfer
Record Updated	Jan 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2021
Property Address	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0059151726
Book / Page	5915 / 1726
Map Reference	MB 10 PG 46
Instrument Date	Mar 17, 2021
Instrument	2021040714
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,553.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 N STONINGTON RD, LAGUNA BEACH, CA 92651-6757

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341

Mortgage

Document Number	0059151728
Date	Mar 18, 2021
Instrument	5915/1728

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2925 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0053492371
Instrument Date	Jun 4, 2018
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2925 SUMMER WINDS CIR ST CLOUD FL 347696341, ST CLOUD, FL 34769-6341

Mortgage

Document Number	0053492371
Date	Jun 13, 2018
Book Page	005349/002371
Instrument	91458

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,033.00 (+6.65%) Homeowner's exemption Widower's exemption	$217,350 (+5.99%)	$266,400 (+10.49%) Land $55,000 Building $211,400
2023	$2,844.00 (+0.89%) Homeowner's exemption Widower's exemption	$205,073 (+3%)	$241,100 (+21.09%) Land $50,000 Building $191,100
2022	$2,819.00 Homeowner's exemption Widower's exemption	$199,100 Land $45,000 Building $154,100	$199,100 Land $45,000 Building $154,100

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 71 policies
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 Event	Hurricane Irma, Sep 2017 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

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

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