2951 Summer Winds Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2951 Summer Winds Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,157 sqft · built 1998
Lot Size	0.203 acres (8,843 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (May 2019)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`81670`

Property Details

APN / Parcel Number

Primary APN	`81670`
Alternative APN	`032630059000010260`

Interior

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

Exterior

Year Built	Built 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	100 ft deep x 86 ft wide
Garage Type	Finished
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	320 sqft
Porch	Open Porch
Porch Area	182 sqft
Deck Area	860 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81670
Street Address	2951 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 26
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VILLAGE
Legal Tract	590
Legal Block	1
Legal Lot Number	26
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
Mailing Address	2951 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Aug 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on Record
Deed Sale	May 30, 2019 · Amount on Record
Prior Sale	Aug 19, 2013 · Amount on Record
Deed Document Number	2019069484
Deed Book / Page	5532 / 0952
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2019
Property Address	2951 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0055320952
Book / Page	5532 / 0952
Map Reference	MB 10 PG 46
Instrument Date	May 29, 2019
Instrument	2019069484
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,526.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2703 CALLAWAY LN, 2703, KISSIMMEE, FL 34744-8533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2951 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341

Mortgage

Document Number	0005532953
Date	May 30, 2019
Instrument	5532/953

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2951 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341
Document Number	0051971738
Book / Page	005197 / 001738
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2703 CALLAWAY LN KISSIMMEE FL 347448533, KISSIMMEE, FL 34744-8533

Mortgage

Document Number	0051971738
Date	Aug 21, 2017
Book Page	005197/001738
Instrument	120955

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2047

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	$2,716.00 (+6.59%) Homeowner's exemption	$194,621 (+5.99%)	$290,100 (+9.89%) Land $55,000 Building $235,100
2023	$2,548.00 (+3.87%) Homeowner's exemption	$183,629 (+3%)	$264,000 (+18.33%) Land $50,000 Building $214,000
2022	$2,453.00 Homeowner's exemption	$178,281	$223,100 Land $45,000 Building $178,100

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 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.

Nearby Properties on Summer Winds Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures