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

Osceola County property record for 438 Windy Willow Way, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property Type	Vacant Land
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on File
Last Sale	$390,115 (Oct 2025)
Tax Bill	$4,149 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
APN	`22-25-31-3682-0001-2560`

Property Details

APN / Parcel Number

Primary APN	`22-25-31-3682-0001-2560`
Alternative APN	`253122368200012560`

Exterior

Lot Area	3,484 sqft (0.08 acres)

Location & Zoning

Street Address	438 WINDY WILLOW WAY
City	SAINT CLOUD
State	FL
Zip	34771-8106
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	CROSSINGS PH 2 PB 36 PGS 95-109 LOT 256
Legal Subdivision	CROSSINGS PHASE 2
Legal Lot Number	256
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 22-25-31-3682-0001-2560

Assessment roll updated November 26, 2025 · Last verified July 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	438 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 03, 2025 · Amount on Record
Deed Sale	Oct 03, 2025 · Amount on Record
Deed Document Number	2025122259
Deed Book / Page	6858 / 1268
Record Updated	Sep 20, 2026

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 03, 2025
Property Address	438 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106
Document Number	0068581268
Book / Page	6858 / 1268
Map Reference	MB 36 PG 95-109
Instrument Date	Sep 30, 2025
Instrument	2025122259
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,731.40
Amount Accuracy	Full Amount Stated
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	438 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106

Mortgage

Document Number	0068581273
Date	Oct 03, 2025
Book Page	6858/1273
Instrument	2025122260

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	ATLANTA, GA 30361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,149.00	$11,200 Land $11,200	$11,200 Land $11,200

Flood & Wildfire

Source: FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · Last verified October 2026

Flood

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

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.