412 Arbor Cir, Celebration (Kissimmee), FL 34747 Property Records

Osceola County property record for 412 Arbor Cir, Celebration, FL 34747

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 5,969 sqft · built 1997
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,380,000 (Mar 2019)
Tax Bill	$19,367 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Mar 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072528278300012830`

Property Details

APN / Parcel Number

Primary APN	`072528278300012830`
Alternative APN	`7966`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	5,969 sqft Heated Area
Gross Area	10,026 sqft
1st Floor Area	3,691 sqft
Upper Floors Area	1,729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	177 ft deep x 110 ft wide
Garage Type	Finished
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	684 sqft
Porch	Open Porch
Porch Area	3,085 sqft
Patio Area	1,242 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	7966
Street Address	412 ARBOR CIR
City	CELEBRATION
State	FL
Zip	34747-4679
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	CELEBRATION VILLAGE UNIT 2 PB 8 PG 185-212 LOT 283 08/25/28
Legal Range	28E
Legal Township	25S
Legal Section	07
Legal Subdivision	GOLFPARK ESTATE LOTS
Legal Tract	2783
Legal Block	1
Legal Lot Number	8,283
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1016
Census Tract	40807

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	412 ARBOR CIR, CELEBRATION, FL 34747-4679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 26, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Feb 1, 2019	Special Warranty Deed, Transfer · ARM OAKTREE FUNDING CORP
Jul 11, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	2019038140
Deed Book / Page	5497 / 1045
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	412 ARBOR CIR, CELEBRATION, FL 34747-4679
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057362911
Date	Jun 15, 2020
Book Page	5736/2911
Instrument	2020075844

Lender

Name	TRUIST BANK
Type	Bank
Address	KISSIMMEE, FL 34747

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 26, 2019
Property Address	412 ARBOR CIR, CELEBRATION, FL 34747-4679
Document Number	0054971045
Book / Page	005497 / 001045
Instrument Date	Mar 20, 2019
Instrument	38140
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$9,660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	422 ARBOR CIR CELEBRATION FL 347474679, CELEBRATION, FL 34747-4679

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 1, 2019
Property Address	412 ARBOR CIR, CELEBRATION, FL 34747-4679
Document Number	0054710583
Book / Page	5471 / 0583
Map Reference	MB 8 PG 185-212
Instrument Date	Nov 21, 2018
Instrument	2019013388
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SERVICELINK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3415 VISION DR, 3415, COLUMBUS, OH 43219-6009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 ARBOR CIR, KISSIMMEE, FL 34747-4680

Mortgage

Document Number	2019013389
Date	Feb 1, 2019
Instrument	2019013389

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	6.62%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	11.6%

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2018
Property Address	412 ARBOR CIR, CELEBRATION, FL 34747-4679
Document Number	0053651069
Book / Page	005365 / 001069
Instrument Date	Jun 28, 2018
Instrument	105978
Transaction Type	Foreclosure
Record Updated	Jul 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	7255 BAYMEADOWS WAY JACKSONVILLE FL 322566851, JACKSONVILLE, FL 32256-6851

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	$19,367.00 (+7.61%) Homeowner's exemption	$1,298,256 (+5.99%)	$1,702,400 (+6.35%) Land $258,800 Building $1,443,600
2023	$17,998.00 (+3.65%) Homeowner's exemption	$1,224,921 (+3%)	$1,600,800 (+2.27%) Land $218,500 Building $1,382,300
2022	$17,364.00 Homeowner's exemption	$1,189,244	$1,565,200 Land $145,200 Building $1,420,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force

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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Alteva of Warwick Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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