2980 Windsong Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2980 Windsong Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,159 sqft · built 1985
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,000 (May 2017)
Tax Bill	$4,506 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-5338-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-5338-0001-0010`
Alternative APNs	`263120533800010010` `97944`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,159 sqft Living Area
Gross Area	3,719 sqft
1st Floor Area	2,159 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Florida Room
Porch Area	720 sqft
Deck Area	400 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2980 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 1
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	TYMBER COVE
Legal Tract	5338
Legal Block	10
Legal Lot Number	1
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 November 26, 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	2980 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC
Aug 7, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage RP FUNDING INC
May 11, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2017 · Amount on Record
Deed Sale	May 11, 2017 · Amount on Record
Deed Document Number	201769874
Deed Book / Page	5146 / 2976
Last Transfer Date	Jul 19, 2018
Transfer Doc	0053801860
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2980 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0057241634
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2980 WINDSONG LN ST CLOUD FL 347727658, ST CLOUD, FL 34772-7658

Mortgage

Document Number	0057241634
Date	May 19, 2020
Book Page	005724/001634
Instrument	65926

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 7, 2018
Property Address	2980 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0053801860
Book / Page	5380 / 1860
Map Reference	MB2 PG106&107
Instrument Date	Jul 19, 2018
Instrument	2018120319
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2980 WINDSONG LN, 2980, SAINT CLOUD, FL 34772-7658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 WINDERSONG LN, SAINT CLOUD, FL 34772-7658

Mortgage

Document Number	2018120320
Date	Aug 7, 2018
Instrument	2018120320

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2017
Property Address	2980 WINDSONG LN, SAINT CLOUD, FL 34772-7658
Document Number	0051462976
Book / Page	005146 / 002976
Instrument Date	May 9, 2017
Instrument	69874
Transaction Type	Transfer
Record Updated	Jun 28, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,988.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1619 PARK COMMERCE CT ST CLOUD FL 347694707, ST CLOUD, FL 34769-4707

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,506.00 (+7.03%) Homeowner's exemption	$314,686 (+8.19%)	$346,500 (+8.28%) Land $65,400 Building $281,100
2024	$4,210.00 (+2.11%)
2023	$4,123.00 (+4.06%) Homeowner's exemption	$290,872 (+3%)	$320,000 (+13.31%) Land $52,300 Building $267,700
2022	$3,962.00 Homeowner's exemption	$282,400 Land $52,300 Building $230,100	$282,400 Land $52,300 Building $230,100

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 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	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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