2960 Windsong Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2960 Windsong Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,831 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Oct 2018)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`97946`

Property Details

APN / Parcel Number

Primary APN	`97946`
Alternative APN	`202631533800010030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,831 sqft Heated Area
Gross Area	2,571 sqft
1st Floor Area	1,831 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97946
Street Address	2960 WINDSONG LN
City	SAINT CLOUD
State	FL
Zip	34772-7658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	TYMBER COVE SUB PB 2 PG 106 & 107 LOT 3
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	TYMBER COVE
Legal Tract	5338
Legal Block	1
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1042
Census Tract	43301

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	2 Individual Names on Record
Mailing Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 23, 2020	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Oct 15, 2018	Warranty Deed, Transfer · FHA Mortgage EQUITY RSRCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Jun 15, 2015 · Amount on Record
Deed Document Number	2018154383
Deed Book / Page	5417 / 1904
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658

Mortgage

Document Number	0065482948
Date	Feb 13, 2024
Book Page	6548/2948
Instrument	2024018943

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Nov 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658

Mortgage

Document Number	0058172872
Date	Oct 23, 2020
Book Page	5817/2872
Instrument	2020143309

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 15, 2018
Property Address	2960 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0054171904
Book / Page	005417 / 001904
Instrument Date	Oct 10, 2018
Instrument	154383
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	CLASSIC TITLE AND SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2960 WINDSONG LN ST CLOUD FL 347727658, ST CLOUD, FL 34772-7658

Mortgage

Document Number	54171906
Date	Oct 15, 2018
Book Page	005417/001906
Instrument	154384

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,176.00 (+8.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$223,708 (+5.99%)	$273,700 (+6.62%) Land $60,000 Building $213,700
2023	$2,938.00 (+4.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$211,072 (+3%)	$256,700 (+13.84%) Land $48,000 Building $208,700
2022	$2,809.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$204,925	$225,500 Land $48,000 Building $177,500

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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