Osceola County property record for 2947 Summer Winds Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,133 sqft · built 2000 |
| Lot Size | 0.116 acres (5,052 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Jul 2021) |
| Tax Bill | $3,304 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 03-26-30-0590-0001-0240 |
| Primary APN | 03-26-30-0590-0001-0240 |
|---|---|
| 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 | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,052 sqft (0.116 acres) |
| Lot Dimensions | 95 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2947 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 24 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKEVIEW VLG |
| Legal Tract | 590 |
| Legal Block | 240 |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 2947 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2017 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 30, 2021 | Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Prior Sale | May 5, 2016 · Amount on Record |
| Deed Document Number | 2021118655 |
| Deed Book / Page | 6013 / 1240 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2947 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | FIDELITY NATL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0051950818 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 5195/0818 |
| Instrument | 2017118593 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 30, 2021 |
| Property Address | 2947 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0060131240 |
| Book / Page | 6013 / 1240 |
| Map Reference | MB 1647 PG 1870 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021118655 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1634 BEECH MOUNTAIN RD, ELK PARK, NC 28622-9157 |
| Name | Verified Name |
|---|---|
| Address | 2947 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0060131241 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 6013/1241 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,304.00 (+3.54%) Homeowner's exemption | $227,502 (+5.99%) | $279,100 (+10.45%) Land $55,000 Building $224,100 |
| 2024 | $3,191.00 (+2.74%) | ||
| 2023 | $3,106.00 (+3.67%) Homeowner's exemption | $214,652 (+3%) | $252,700 (+21.26%) Land $50,000 Building $202,700 |
| 2022 | $2,996.00 Homeowner's exemption | $208,400 Land $45,000 Building $163,400 | $208,400 Land $45,000 Building $163,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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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