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4905 Spiral Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4905 Spiral Way, Saint Cloud, FL 34771

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,548 sqft · built 1986
Lot Size1.12 acres (48,874 sqft)
OwnerIndividual Name on Record
Last Sale$167,000 (Jan 2020)
Tax Bill$2,273 (2025)
Deeds & MortgagesJan 2020 Sale & Mortgage
Jul 2019 Sale
Flood ZoneZone AE (high risk)
APN08-25-31-5151-0001-0110

Property Details

APN / Parcel Number

Primary APN08-25-31-5151-0001-0110
Alternative APNs
  • 253108515100010110
  • 90610

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,548 sqft Living Area
Gross Area1,560 sqft
1st Floor Area1,548 sqft
FlooringCarpet
Interior WallsPaneling
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleCustom Design
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area48,874 sqft (1.12 acres)
Lot Dimensions373 ft deep x 134 ft wide

Exterior Amenities

PorchFinished/Open Porch
Porch Area12 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4905 SPIRAL WAY
CitySAINT CLOUD
StateFL
Zip34771-7906
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeOARM
Legal DescriptionSUNNY LAKE ESTATES PB 4 PG 101 LOT 11
Legal Range31E
Legal Township25S
Legal Section08
Legal SubdivisionSUNNY LAKE ESTATES
Legal Tract5151
Legal Block1
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

Source: Osceola County records, as of November 26, 2025

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 RecordIndividual Name on Record
Mailing Address4905 SPIRAL WAY, SAINT CLOUD, FL 34771-7906
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2020Warranty Deed, Transfer · Conventional Mortgage
WELLS FARGO BANK NA
Jul 16, 2019Quit Claim Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 13, 2020 · Amount on Record
Deed SaleJan 13, 2020 · Amount on Record
Deed Document Number20206193
Deed Book / Page5657 / 623
Prior Transfer DateJul 15, 2019
Prior Transfer Doc0055570622
Record UpdatedJun 8, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 13, 2020
Property Address4905 SPIRAL WAY, SAINT CLOUD, FL 34771-7906
Document Number0056570623
Book / Page5657 / 0623
Map ReferenceMB 4 PG 101
Instrument DateJan 10, 2020
Instrument2020006193
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,169.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16869 SE #9393, 16869, THE VILLAGES, FL 32162

Transferred To (Grantee/Buyer)

NameVerified Name
Address4905 SPIRAL WAY, SAINT CLOUD, FL 34771-7906

Mortgage

Document Number0056570624
DateJan 13, 2020
Instrument5657/0624
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 1, 2035

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 16, 2019
Property Address4905 SPIRAL WAY, SAINT CLOUD, FL 34771-7906
Document Number0055570622
Book / Page005557 / 000622
Instrument DateJul 15, 2019
Instrument90813
Transaction TypeTransfer
Record UpdatedAug 1, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4905 SPIRAL WAY ST CLOUD FL 347717906, ST CLOUD, FL 34771-7906

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$2,273.00 (+6.56%) Homeowner's exemption$153,481 (+5.99%)$178,900 (-1.43%) Land $80,800 Building $98,100
2024$2,133.00 (+2.4%)
2023$2,083.00 (+5.2%) Homeowner's exemption$144,812 (+3%)$181,500 (+13.86%) Land $73,400 Building $108,100
2022$1,980.00 Homeowner's exemption$140,595$159,400 Land $73,400 Building $86,000

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 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.

Wildfire

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

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 191 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Xfinity
Cable		2,000 / 250
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: Hotwire Communications.

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