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

Osceola County property record for 414 Windy Willow Way, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,062 sqft · built 2024
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on File
Last Sale$388,000 (Jul 2024)
Tax Bill$7,197 (2025)
Deeds & MortgagesJul 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN222531366100012590

Property Details

APN / Parcel Number

Primary APN222531366100012590

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,062 sqft Heated Area
Gross Area2,632 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,485 sqft (0.08 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area42 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address414 WINDY WILLOW WAY
CitySAINT CLOUD
StateFL
Zip34771-8156
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCROSSINGS PH 1 PB 33 PGS 53-60 LOT 259
Legal Phase1
Legal Lot Number259
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1053
Census Tract43700

Owner

Source: Osceola County records · APN 222531366100012590

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address414 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8156
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 26, 2024 · Amount on Record
Deed SaleJul 26, 2024 · Amount on Record
Deed Document Number2024097717
Deed Book / Page6640 / 342
Record UpdatedJun 08, 2026

July 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 26, 2024
Property Address414 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8156
Document Number0066400342
Book / Page6640 / 342
Map ReferenceMB 33 PG 53-60
Instrument DateJul 24, 2024
Instrument2024097717
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,716.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address414 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8156

Mortgage

Document Number2024097718
DateJul 26, 2024
Instrument2024097718
Lender
NameHOME SOLUTION LENDERS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,197.00 Homeowner's exemption$342,700 Land $60,000 Building $282,700$342,700 Land $60,000 Building $282,700

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskHigh
above 89% of the US · above 82% of Florida
Wildfire LikelihoodAbout 1 in 104 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumFiber1,000 / 1,000

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

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