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

Osceola County property record for 440 Water St, Celebration, FL 34747

Property Summary

Property TypeCondominium
Details3 bd · 3 ba · 1,897 sqft · built 1998
Lot Size0.025 acres (1,089 sqft)
Owner2 Company Names on Record
Last Sale$680,000 (Apr 2025)
Tax Bill$6,321 (2025)
Deeds & MortgagesMay 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-25-28-5422-0001-4400

Property Details

APN / Parcel Number

Primary APN07-25-28-5422-0001-4400
Alternative APNs
  • 252807542200014400
  • 10667

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area1,897 sqft Living Area
Gross Area2,479 sqft
1st Floor Area984 sqft
Upper Floors Area913 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleConventional
Exterior MaterialFrame/Stucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeFlat
Roof MaterialBuilt-Up Asphalt
Lot Area1,089 sqft (0.025 acres)
Garage TypeAttached
Garage Area582 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address440 WATER ST
CityKISSIMMEE
StateFL
Zip34747-4976
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeOPUD
Legal DescriptionWATER STREET CONDO PH 3 CB 4 PG 38-57 UNIT 440 BLDG 5
Legal Range28E
Legal Township25S
Legal Section07
Legal SubdivisionWATER STREET CONDO PH 3
Legal Phase3
Legal Tract5422
Legal Block4400
Legal Lot Number440
JurisdictionOSCEOLA FL
Township / Civil DivisionKISSIMMEE
Census Block Group1
Census Block1012
Census Tract40807

Owner

Source: Osceola County records, as of October 21, 2026

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

Owner of Record2 Company Names on Record
Mailing Address855 ECHO RIDGE PT, WEST UNION, SC 29696-2925
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2025 · Amount on Record
Deed SaleApr 10, 2025 · Amount on Record
Prior SaleMar 5, 2012 · Amount on Record
Deed Document Number202545447
Deed Book / Page6769 / 1452
Record UpdatedOct 29, 2026

May 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 17, 2021
Property Address440 WATER ST, CELEBRATION, FL 34747-4976
Document Number0059592076
Book / Page5959 / 2076
Map ReferenceMB 4 PG 38
Instrument DateMay 11, 2021
Instrument2021075493
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address4767 NEW BROAD ST, 4767, ORLANDO, FL 32814-6405

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 WATER ST, CELEBRATION, FL 34747-4976

Mortgage

Document Number0059592078
DateMay 17, 2021
Instrument5959/2078
Lender
NameNORTHPOINTE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,321.00 (+14.14%)$402,000 (+10.11%) Building $402,000$402,000 (+10.11%) Building $402,000
2023$5,538.00 (+11.7%)$365,100 (+14.85%) Building $365,100$365,100 (+14.85%) Building $365,100
2022$4,958.00$317,900 Building $317,900$317,900 Building $317,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies16 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.05% annual chance
ExposureIndirect
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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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