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

Osceola County property record for 470 Windy Willow Way, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on Record
Last Sale	$421,635 (Sep 2025)
Tax Bill	$4,149 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
APN	`22-25-31-3682-0001-2520`

Property Details

APN / Parcel Number

Primary APN	`22-25-31-3682-0001-2520`
Alternative APN	`253122368200012520`

Exterior

Lot Area	3,484 sqft (0.08 acres)

Location & Zoning

Street Address	470 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 252
Legal Subdivision	CROSSINGS PHASE 2
Legal Lot Number	252
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records, as of June 26, 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	470 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Deed Document Number	2025117956
Deed Book / Page	6853 / 933
Record Updated	Sep 20, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2025
Property Address	470 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106
Document Number	0068530933
Book / Page	6853 / 933
Map Reference	MB 36 PG 95-109
Instrument Date	Sep 18, 2025
Instrument	2025117956
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,951.90
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	470 WINDY WILLOW WAY, SAINT CLOUD, FL 34771-8106

Mortgage

Document Number	0006853938
Date	Sep 25, 2025
Instrument	6853/938

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County

Tax Bill & Assessment History

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.

Flood

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	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.