461 Sun Warbler Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 461 Sun Warbler Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,170 sqft · built 2023
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$423,600 (Mar 2023)
Tax Bill	$5,722 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-5036-0001-2010`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-5036-0001-2010`
Alternative APN	`253129503600012010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	2,710 sqft
1st Floor Area	1,240 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	L-Shape
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	461 SUN WARBLER WAY
City	SAINT CLOUD
State	FL
Zip	34771-9363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER SPRINGS PB 30 PGS 90-96 LOT 201
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	SILVER SPRINGS
Legal Lot Number	201
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

461 Sun Warbler Way is owned by an individual who bought it in March 2023.

Source: Osceola County records, as of April 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	220 DUTRA VERNACI DR, UNION CITY, CA 94587-5476
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN INC
Sep 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage GOOGAIN INC
Mar 1, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2023 · Amount on File
Deed Sale	Mar 1, 2023 · Amount on File
Deed Document Number	202323667
Deed Book / Page	6364 / 978
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2026
Property Address	461 SUN WARBLER WAY, SAINT CLOUD, FL 34771-9363
Document Number	0000043662
Book / Page	6948 / 42
Instrument Date	Mar 14, 2026
Instrument	202643662
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 DUTRA VERNACI DR, UNION CITY, CA 94587-5476

Mortgage

Document Number	0000043662,
Date	Apr 1, 2026
Book Page	6948/42
Instrument	202643662

Lender

Name	GOOGAIN INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	461 SUN WARBLER WAY, SAINT CLOUD, FL 34771-9363
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 DUTRA VERNACI DR, UNION CITY, CA 94587-5476

Mortgage

Document Number	0068462639
Date	Sep 9, 2025
Book Page	6846/2639
Instrument	2025112065

Lender

Name	GOOGAIN INC
Type	Mortgage Company
Address	SUNNYVALE, CA 94086

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 1, 2023
Property Address	461 SUN WARBLER WAY, SAINT CLOUD, FL 34771-9363
Document Number	0063640978
Book / Page	6364 / 978
Map Reference	MB 30 PG 90-96
Instrument Date	Feb 27, 2023
Instrument	2023023667
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 17, 2023
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,965.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 DUTRA VERNACI DR, UNION CITY, CA 94587-5476

Mortgage

Document Number	0006364981
Date	Mar 1, 2023
Instrument	6364/981

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 461 Sun Warbler Way was $5,722, up 3.2% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$5,722.00 (+3.25%)	$361,600 Land $65,000 Building $296,600	$361,600 Land $65,000 Building $296,600
2024	$5,542.00 (+279.85%)
2023	$1,459.00 (+89.97%)	$60,000 (+9.09%) Land $60,000	$60,000 (+9.09%) Land $60,000
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

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

Flood

FEMA maps place 461 Sun Warbler Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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

Wildfire risk around 461 Sun Warbler Way is high, ranking above 71% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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