Osceola County property record for 2965 Windsong Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,428 sqft · built 1996 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,000 (Jan 1996) |
| Tax Bill | $3,028 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 97982 |
| Primary APN | 97982 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,428 sqft Heated Area |
| Gross Area | 3,852 sqft |
| 1st Floor Area | 2,428 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Finished |
| Garage Area | 828 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 375 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 596 sqft |
| Deck Area | 585 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 97982 |
|---|---|
| Street Address | 2965 WINDSONG LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA1A |
| Legal Description | TYMBER COVE SUB PB 2 PG 106 & 107 LOT 40 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | TYMBER COVE |
| Legal Tract | 5338 |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 43301 |
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 | 2965 WINDSONG LN, SAINT CLOUD, FL 34772-7662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 1996 · Amount on Record |
| Deed Sale | Jan 31, 1996 · Amount on Record |
| Deed Document Number | 0130501669 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2965 WINDSONG LN, SAINT CLOUD, FL 34772-7662 |
| Document Number | 0051921500 |
| Book / Page | 005192 / 001500 |
| Instrument Date | Jul 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 2965 WINDSONG LN ST CLOUD FL 347727662, ST CLOUD, FL 34772-7662 |
| Document Number | 0051921500 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | 005192/001500 |
| Instrument | 115442 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County assessment roll, as of July 1, 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 | $3,028.00 (+8.1%) Homeowner's exemption | $207,983 (+5.99%) | $383,800 (+5.29%) Land $60,000 Building $323,800 |
| 2023 | $2,801.00 (+4.59%) Homeowner's exemption | $196,235 (+3%) | $364,500 (+14.23%) Land $48,000 Building $316,500 |
| 2022 | $2,678.00 Homeowner's exemption | $190,520 | $319,100 Land $48,000 Building $271,100 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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 |
| 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.
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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