Osceola County property record for 2959 Summer Winds Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,157 sqft · built 2000 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Nov 2025) |
| Tax Bill | $1,389 (2025) |
| Deeds & Mortgages | Nov 2025 Second Mortgage Jun 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 03-26-30-0590-0001-0300 |
| Primary APN | 03-26-30-0590-0001-0300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,157 sqft Living Area |
| Gross Area | 1,634 sqft |
| 1st Floor Area | 1,157 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 204 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2959 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 30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKEVIEW VLG |
| Legal Tract | 590 |
| Legal Block | 300 |
| Legal Lot Number | 30 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0590-0001-0300
Assessment roll updated November 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 23, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 13, 2025 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 01, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 13, 2025 · Amount on Record |
| Deed Sale | Nov 13, 2025 · Amount on Record |
| Prior Sale | Nov 03, 2014 · Amount on Record |
| Deed Document Number | 2025140369 |
| Deed Book / Page | 6879 / 2859 |
| Prior Transfer Date | Oct 09, 2014 |
| Prior Transfer Doc | 0046900624 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0068792880 |
|---|---|
| Date | Nov 13, 2025 |
| Book Page | 6879/2880 |
| Instrument | 2025140373 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2025 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0068080881 |
|---|---|
| Date | Jun 23, 2025 |
| Book Page | 6808/881 |
| Instrument | 2025078521 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 09, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2025 |
| Property Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0068792859 |
| Book / Page | 6879 / 2859 |
| Map Reference | MB 10 PG 2638 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 2025140369 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | TITLETOWN OF AMERICA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2306 KELLY DR, SEBASTIAN, FL 32958-8597 |
| Name | Verified Name |
|---|---|
| Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Document Number | 0068792861 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 6879/2861 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2959 SUMMER WINDS CIR, SAINT CLOUD, FL 34769-6341 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051872721 |
|---|---|
| Date | Aug 01, 2017 |
| Book Page | 5187/2721 |
| Instrument | 2017111299 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,389.00 (+4.04%) | $120,511 (+5.99%) | $271,200 (+10.42%) Land $55,000 Building $216,200 |
| 2024 | $1,335.00 (+3.65%) | ||
| 2023 | $1,288.00 (+4.72%) Homeowner's exemption | $113,704 (+3%) | $245,600 (+21.1%) Land $50,000 Building $195,600 |
| 2022 | $1,230.00 Homeowner's exemption | $110,393 | $202,800 Land $45,000 Building $157,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Lumen Technologies, Verizon.
Based on FCC filings for 420 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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