2942 Summer Winds Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2942 Summer Winds Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,133 sqft · built 1999
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Sep 2019)
Tax Bill	$2,320 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0590-0001-0400`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0590-0001-0400`
Alternative APNs	`263003059000010400` `81684`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,133 sqft Living Area
Gross Area	1,476 sqft
1st Floor Area	1,133 sqft
Flooring	Tile
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
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	44 sqft
Patio Area	220 sqft
Shed	1 Shed
Shed Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2942 SUMMER WINDS CIR
City	SAINT CLOUD
State	FL
Zip	34769-6340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	LAKEVIEW VILLAGE PB 10 PG 46 LOT 40
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VLG
Legal Tract	590
Legal Block	400
Legal Lot Number	40
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2007
Census Tract	43203

Owner

Source: Osceola County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2942 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2017	Correction Deed · Conventional Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2019 · Amount on Record
Deed Sale	Sep 18, 2019 · Amount on Record
Prior Sale	Apr 1, 2017 · Amount on Record
Deed Document Number	2019120185
Deed Book / Page	5591 / 305
Prior Transfer Date	Apr 25, 2017
Prior Transfer Doc	0051582595
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2019
Property Address	2942 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6340
Document Number	0055910305
Book / Page	5591 / 0305
Map Reference	MB 10 PG 46
Instrument Date	Sep 16, 2019
Instrument	2019120185
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3614 HOLDEN DR, 3614, SAINT CLOUD, FL 34772-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2942 SUMMER WIUDS CIRCLE, SAINT CLOUD, FL 34769-6340

Mortgage

Document Number	0005591307
Date	Sep 18, 2019
Instrument	5591/307

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2017
Property Address	2942 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6340
Document Number	0051582591
Book / Page	5158 / 2591
Map Reference	MB10 PG46
Instrument Date	Apr 25, 2017
Instrument	2017081448
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2942 SUMMER WINDS CIR, 2942, SAINT CLOUD, FL 34769-6340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2942 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6340

Mortgage

Document Number	0051582595
Date	Jun 5, 2017
Instrument	5158/2595

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$2,320.00 (+6.81%) Homeowner's exemption	$172,503 (+5.99%)	$265,400 (+10.4%) Land $55,000 Building $210,400
2023	$2,172.00 (+4.02%) Homeowner's exemption	$162,760 (+3%)	$240,400 (+20.99%) Land $50,000 Building $190,400
2022	$2,088.00 Homeowner's exemption	$158,020	$198,700 Land $45,000 Building $153,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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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