413 Windy Willow Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 413 Windy Willow Way, Saint Cloud, FL 34771 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,825 sqft · built 2024
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$417,400 (Mar 2024)
Tax Bill	$7,770 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-25-31-3661-0001-3750`

Property Details

APN / Parcel Number

Primary APN	`22-25-31-3661-0001-3750`
Alternative APN	`253122366100013750`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,825 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,825 sqft
Flooring	Tile

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	438 sqft
Porch	Finished/Open Porch
Porch Area	253 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	413 WINDY WILLOW WAY
City	SAINT CLOUD
State	FL
Zip	34771-8157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS PH 1 PB 33 PGS 53-60 LOT 375
Legal Subdivision	CROSSINGS PHASE 1
Legal Lot Number	375
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 22-25-31-3661-0001-3750

Assessment roll updated November 26, 2025 · Last verified May 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	413 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 22, 2024 · Amount on Record
Deed Sale	Mar 22, 2024 · Amount on Record
Deed Document Number	202436795
Deed Book / Page	6569 / 562
Record Updated	Jun 08, 2026

March 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 22, 2024
Property Address	413 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8157
Document Number	0065690562
Book / Page	6569 / 562
Map Reference	MB 33 PGS 53
Instrument Date	Mar 20, 2024
Instrument	2024036795
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,921.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8157

Mortgage

Document Number	0006569564
Date	Mar 22, 2024
Instrument	6569/564

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,770.00 (+97.11%)	$347,300 Land $75,000 Building $272,300	$347,300 Land $75,000 Building $272,300
2024	$3,942.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	High above 89% of the US · above 82% of Florida
Wildfire Likelihood	About 1 in 104 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.