432 Water St, Celebration (Kissimmee), FL 34747 Property Records

Osceola County property record for 432 Water St, Celebration, FL 34747

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,476 sqft · built 1998
Lot Size	0.005 acres (218 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jul 2021)
Tax Bill	$5,834 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`10663`

Property Details

APN / Parcel Number

Primary APN	`10663`
Alternative APN	`072528542200014320`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,476 sqft Heated Area
Gross Area	1,494 sqft
1st Floor Area	1,476 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	218 sqft (0.005 acres)
Garage Area	264 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	10663
Street Address	432 WATER ST
City	CELEBRATION
State	FL
Zip	34747-4637
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	OPUD
Legal Description	WATER STREET CONDO PH 3 CB 4 PG 38-57 UNIT 432 BLDG 2 & PARKING UNIT 45 GARAGE 5A
Legal Range	28E
Legal Township	25S
Legal Section	07
Legal Subdivision	WATER STREET CONDOMINIUM
Legal Phase	3
Legal Tract	5422
Legal Block	1
Legal Lot Number	432
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1012
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	431 DUBLIN CT, COPLEY, OH 44321-1287
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jan 19, 2017	Warranty Deed, Transfer EQUITABLE TITLE/CELEBRATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	2021103333
Deed Book / Page	5994 / 421
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2021
Property Address	432 WATER ST, CELEBRATION, FL 34747-4637
Document Number	0059940421
Book / Page	5994 / 421
Map Reference	MB 1482 PG 1998
Instrument Date	Jun 17, 2021
Instrument	2021103333
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	938 PAWSTAND RD, 938, CELEBRATION, FL 34747-4857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 DUBLIN CT, COPLEY, OH 44321-1287

Mortgage

Document Number	5994423
Date	Jul 1, 2021
Instrument	5994/423

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 19, 2017
Property Address	432 WATER ST, CELEBRATION, FL 34747-4637
Document Number	0050881498
Book / Page	005088 / 001498
Instrument Date	Sep 9, 2016
Instrument	10762
Transaction Type	Transfer
Record Updated	Feb 13, 2017
Title Company	EQUITABLE TITLE/CELEBRATION

Transaction

Amount	Amount Recorded
Tax	$1,890.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	556 WATER ST CELEBRATION FL 347474654, CELEBRATION, FL 34747-4654

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	$5,834.00 (+19.38%)	$366,900 (+15.6%) Building $366,900	$366,900 (+15.6%) Building $366,900
2023	$4,887.00 (+6.24%)	$317,400 (+14.92%) Building $317,400	$317,400 (+14.92%) Building $317,400
2022	$4,600.00	$276,200 Building $276,200	$276,200 Building $276,200

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.05% 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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