Osceola County property record for 454 Windy Willow Way, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.08 acres (3,484 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,455 (Apr 2026) |
| Tax Bill | $4,149 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| APN | 22-25-31-3682-0001-2540 |
| Primary APN | 22-25-31-3682-0001-2540 |
|---|---|
| Alternative APN |
|
| Lot Area | 3,484 sqft (0.08 acres) |
|---|
| Street Address | 454 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 254 |
| Legal Subdivision | CROSSINGS PHASE 2 |
| Legal Lot Number | 254 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records, as of July 2, 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 | 454 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on Record |
| Deed Sale | Apr 7, 2026 · Amount on Record |
| Deed Document Number | 202646158 |
| Deed Book / Page | 6951 / 1273 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 7, 2026 |
| Property Address | 454 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106 |
| Document Number | 0000046158 |
| Book / Page | 6951 / 1273 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202646158 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $268,982.19 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 454 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106 |
| Investor | Possibly a Property Investor |
| Document Number | 0000046159, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 202646159 |
| Name | VANDERBILT MORTGAGE AND FINANCE, INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.87% |
|---|---|
| Max Rate | -1% |
| Document Number | 0069511296, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 6951/1296 |
| Instrument | 202646160 |
| Name | VANDERBILT MORTGAGE AND FINANCE, INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,149.00 | $11,200 Land $11,200 | $11,200 Land $11,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: OpenFEMA NFIP redacted claims and policies, as of September 2026
| Flood Insurance Cost | Premium on Record median of 330 policies |
|---|---|
| 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 · Hurricane Ian |
| Claims by Event |
|
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.
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