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

Osceola County property record for 449 Water St, Celebration, FL 34747

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,234 sqft · built 1998
Lot Size	0.008 acres (392 sqft)
Owner	Individual Name on Record
Last Sale	$429,000 (Aug 2023)
Tax Bill	$5,034 (2025)
Deeds & Mortgages	Aug 2023 Sale Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10547`

Property Details

APN / Parcel Number

Primary APN	`10547`
Alternative APN	`072528542000014490`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,234 sqft Heated Area
Gross Area	1,252 sqft
1st Floor Area	1,234 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	392 sqft (0.008 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	10547
Street Address	449 WATER ST
City	CELEBRATION
State	FL
Zip	34747-4638
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	OPUD
Legal Description	WATER STREET CONDO PHASE 1 CB 4 PG 5-16 UNIT 449
Legal Range	28E
Legal Township	25S
Legal Section	07
Legal Subdivision	WATER STREET CONDOMINIUM
Legal Phase	1
Legal Tract	5420
Legal Block	1
Legal Lot Number	449
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1021
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
Mailing Address	222 AMHERST MDW, BARTLETT, IL 60103-4594
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer OLIVER TITLE LAW
Feb 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 24, 2022	Warranty Deed, Transfer LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL
Oct 17, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Jan 24, 2022 · Amount on Record
Deed Document Number	2023099090
Deed Book / Page	6449 / 1719
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 1, 2023
Property Address	449 WATER ST, CELEBRATION, FL 34747-4638
Document Number	0064491719
Book / Page	6449 / 1719
Map Reference	MB 1482 PG 1998
Instrument Date	Jul 31, 2023
Instrument	2023099090
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Tax	$3,003.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 MULBERRY AVE, CELEBRATION, FL 34747-4660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 AMHERST MDW, BARTLETT, IL 60103-4594

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	449 WATER ST, CELEBRATION, FL 34747-4638
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056742570
Date	Feb 14, 2020
Book Page	5674/2570
Instrument	2020022874

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2022
Property Address	449 WATER ST, CELEBRATION, FL 34747-4638
Document Number	0061351376
Book / Page	6135 / 1376
Map Reference	MB 1482 PG 1998
Instrument Date	Jan 24, 2022
Instrument	2022012676
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount Recorded
Tax	$2,285.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10017 RUSTIC RIDGE CT, 10017, ORLANDO, FL 32832-5605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 WATER ST, CELEBRATION, FL 34747-4638

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2018
Property Address	449 WATER ST, CELEBRATION, FL 34747-4638
Document Number	0054182851
Book / Page	5418 / 2851
Map Reference	MB1482 PG1998
Instrument Date	Oct 5, 2018
Instrument	2018155615
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EQUITABLE TITLE OF CELEBRATI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2914 SADDLE RIDGE DR, 2914, YORKTOWN HEIGHTS, NY 10598-2312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 WATER ST, CELEBRATION, FL 34747-4638

Mortgage

Document Number	2018155617
Date	Oct 17, 2018
Instrument	2018155617

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

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	$5,034.00 (+14.7%)	$309,100 (+10.12%) Building $309,100	$309,100 (+10.12%) Building $309,100
2023	$4,389.00 (+11.68%)	$280,700 (+14.85%) Building $280,700	$280,700 (+14.85%) Building $280,700
2022	$3,930.00	$244,400 Building $244,400	$244,400 Building $244,400

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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