Osceola County property record for 421 Arbor Cir, Celebration, FL 34747
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 6 ba · 5,291 sqft · built 1997 |
| Lot Size | 0.433 acres (18,861 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,500,000 (Mar 2021) |
| Tax Bill | $28,196 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Mar 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-28-2783-0001-2940 |
| Primary APN | 07-25-28-2783-0001-2940 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 6 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 5,291 sqft Living Area |
| Gross Area | 7,614 sqft |
| 1st Floor Area | 3,597 sqft |
| Upper Floors Area | 1,106 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,861 sqft (0.433 acres) |
| Lot Dimensions | 186 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 273 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 36 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 926 sqft |
| Deck Area | 924 sqft |
| Patio Area | 81 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Central |
| Street Address | 421 ARBOR CIR |
|---|---|
| City | CELEBRATION |
| State | FL |
| Zip | 34747-4681 |
| 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 294 08/25/28 |
| Legal Range | 28E |
| Legal Township | 25S |
| Legal Section | 07 |
| Legal Subdivision | CELEBRATION VLG UNIT 2 |
| Legal Tract | 2783 |
| Legal Block | 2940 |
| Legal Lot Number | 294 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | KISSIMMEE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 40807 |
Source: Osceola County records, as of January 12, 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 Record |
|---|---|
| Mailing Address | 421 ARBOR CIR, KISSIMMEE, FL 34747-4681 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2017 | Deed of Trust, Mortgage · ARM RECOVCO MORTGAGE MANAGEMENT LLC |
| Mar 29, 2019 | Deed of Trust, Mortgage · Commercial Mortgage SHARESTATES INVESTMENTS DACL LLC |
| Sep 17, 2019 | Deed of Trust, Mortgage · Commercial Mortgage 5 ARCH FUNDING CORP |
| Mar 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 28, 2020 | Deed of Trust, Mortgage SACHEM CAP CORP |
| Sep 17, 2019 | Correction Deed CELEBRATION TITLE GROUP |
| Feb 7, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage RS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on Record |
| Deed Sale | Mar 8, 2021 · Amount on Record |
| Prior Sale | Jul 20, 2015 · Amount on Record |
| Deed Document Number | 202133830 |
| Deed Book / Page | 5906 / 2069 |
| Prior Transfer Date | Aug 5, 2019 |
| Prior Transfer Doc | 0055900782 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051841674 |
|---|---|
| Date | Jul 26, 2017 |
| Book Page | 5184/1674 |
| Instrument | 2017108164 |
| Name | RECOVCO MORTGAGE MANAGEMENT LLC |
|---|---|
| Address | IRVING, TX 75038 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Prepayment Penalty | 36 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 6.11% |
| Max Rate At Change | 8.11% |
| Index | 1-Year LIBOR |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0054990522 |
|---|---|
| Date | Mar 29, 2019 |
| Book Page | 5499/0522 |
| Instrument | 2019039661 |
| Name | SHARESTATES INVESTMENTS DACL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | GREAT NECK, NY 11021 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055901434 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 5590/1434 |
| Instrument | 2019119522 |
| Name | 5 ARCH FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92612 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 8, 2021 |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Document Number | 0059062069 |
| Book / Page | 5906 / 2069 |
| Map Reference | MB 8 PG 185-212 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 2021033830 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 W ELM ST, 40, GREENWICH, CT 06830-6425 |
| Name | Verified Name |
|---|---|
| Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Document Number | 0059062073 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 5906/2073 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Document Number | 0057891075 |
| Instrument Date | Aug 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 ELM ST #1K BRANFORD CT 064053517, 1K, BRANFORD, CT 06405-3517 |
| Document Number | 0057891075 |
|---|---|
| Date | Sep 8, 2020 |
| Book Page | 005789/001075 |
| Instrument | 119144 |
| Name | SACHEM CAP CORP |
|---|---|
| Address | 698 MAIN ST, BRANFORD, CT 06405-7204 |
| Amount | Amount Recorded |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 17, 2019 |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Document Number | 0055900782 |
| Book / Page | 005590 / 000782 |
| Instrument Date | Aug 8, 2019 |
| Instrument | 119289 |
| Record Updated | Sep 27, 2019 |
| Title Company | CELEBRATION TITLE GROUP |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 W ELM ST GREENWICH CT 068306425, GREENWICH, CT 06830-6425 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 7, 2017 |
| Property Address | 421 ARBOR CIR, CELEBRATION, FL 34747-4681 |
| Document Number | 0050990529 |
| Book / Page | 005099 / 000529 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 21299 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 40 W ELM ST 1 M GREENWICH CT 06830, GREENWICH, CT 06830 |
| Document Number | 50990529 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 005099/000529 |
| Instrument | 21299 |
| Name | RS LNDG |
|---|---|
| Address | 501 2ND ST # 700, SAN FRANCISCO, CA 94107-4134 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 6, 2018 |
Source: Osceola County assessment roll, as of November 26, 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 | $28,196.00 (+4.27%) Homeowner's exemption | $1,935,534 (+5.99%) | $1,938,200 (+6.13%) Land $261,000 Building $1,677,200 |
| 2024 | $27,042.00 (+2.45%) | ||
| 2023 | $26,395.00 (+1.96%) Homeowner's exemption | $1,826,200 (+1.51%) Land $220,400 Building $1,605,800 | $1,826,200 (+1.51%) Land $220,400 Building $1,605,800 |
| 2022 | $25,888.00 Homeowner's exemption | $1,799,100 Land $149,600 Building $1,649,500 | $1,799,100 Land $149,600 Building $1,649,500 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures