2931 Summer Winds Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2931 Summer Winds Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,157 sqft · built 1999
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$65,500 (Jul 2019)
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`03-26-30-0590-0001-0160`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0590-0001-0160`
Alternative APNs	`263003059000010160` `81660`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,157 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,157 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	25 sqft
Porch	Finished/Open Porch
Porch Area	182 sqft
Deck Area	413 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2931 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 16
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VLG
Legal Tract	590
Legal Block	160
Legal Lot Number	16
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 November 26, 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
Mailing Address	2931 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 25, 2019	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Feb 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 19, 2019	Correction Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	201992983
Deed Book / Page	5559 / 1021
Prior Transfer Date	Feb 14, 2019
Prior Transfer Doc	0055591021
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2931 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054672396
Date	Jan 25, 2019
Book Page	5467/2396
Instrument	2019010338

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2931 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054672402
Date	Jan 25, 2019
Book Page	5467/2402
Instrument	2019010339

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 19, 2019
Property Address	2931 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0054791973
Book / Page	005479 / 001973
Instrument Date	Feb 14, 2019
Instrument	21622
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$458.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 SUMMER WINDS CIR ST CLOUD FL 347696341, ST CLOUD, FL 34769-6341

July 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2019
Property Address	2931 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0055591021
Book / Page	005559 / 001021
Instrument Date	Feb 14, 2019
Instrument	92983
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$458.50

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 SUMMER WINDS CIR ST CLOUD FL 347696341, ST CLOUD, FL 34769-6341

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,023.00 (+3.8%) Homeowner's exemption	$155,900 (+5.99%)	$277,200 (+10.57%) Land $55,000 Building $222,200
2024	$1,949.00 (+3.12%)
2023	$1,890.00 (+4.19%) Homeowner's exemption	$147,095 (+3%)	$250,700 (+19.95%) Land $50,000 Building $200,700
2022	$1,814.00 Homeowner's exemption	$142,811	$209,000 Land $45,000 Building $164,000

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 100 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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