Osceola County property record for 2950 Christy Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,311 sqft · built 1989 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $104,000 (Sep 1999) |
| Tax Bill | $1,042 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-26-30-2821-0001-0210 |
| Primary APN | 22-26-30-2821-0001-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,311 sqft Living Area |
| Gross Area | 2,018 sqft |
| 1st Floor Area | 1,311 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened/Unfinished Porch |
| Porch Area | 227 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2950 CHRISTY LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7697 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1A |
| Legal Description | C Js LANDING PB 5 PG 99 LOT 21 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 22 |
| Legal Subdivision | C J`S LANDING |
| Legal Tract | 2821 |
| Legal Block | 210 |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43207 |
Source: Osceola County records, as of August 28, 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 Record |
|---|---|
| Mailing Address | 2950 CHRISTY LN, SAINT CLOUD, FL 34772-7697 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 1999 · Amount on Record |
| Deed Sale | Sep 2, 1999 · Amount on Record |
| Deed Book / Page | 1652 / 1123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 17, 2026 |
| Property Address | 2950 CHRISTY LN, SAINT CLOUD, FL 34772-7697 |
| Document Number | 0000107116 |
| Book / Page | 7021 / 88 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 2026107116 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 2950 CHRISTY LN, SAINT CLOUD, FL 34772-7697 |
| Document Number | 0000107116, |
|---|---|
| Date | Aug 17, 2026 |
| Book Page | 7021/88 |
| Instrument | 2026107116 |
| Name | HIGHTECHLENDING INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 846 Months |
| Due | Feb 25, 2097 |
| Max Rate | -1% |
|---|
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,042.00 (-33.93%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $103,719 (+5.99%) | $223,700 (+20.79%) Land $70,000 Building $153,700 |
| 2023 | $1,577.00 (+6.7%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $97,861 (+3%) | $185,200 (+15.46%) Land $50,000 Building $135,200 |
| 2022 | $1,478.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $95,011 | $160,400 Land $45,000 Building $115,400 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 34 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 34 in force |
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 | Moderate above 47% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| CenturyLink DSL | 140 / 20 |
May also be available: AT&T, Verizon, Xfinity.
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