4957 Spiral Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4957 Spiral Way, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,620 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Nov 2019)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Aug 2019 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`08253142600001033H`

Property Details

APN / Parcel Number

Primary APN	`08253142600001033H`
Alternative APN	`90544`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Heated Area
Gross Area	1,815 sqft
1st Floor Area	1,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	195 sqft
Deck Area	96 sqft
Shed	1 Shed
Shed Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90544
Street Address	4957 SPIRAL WAY
City	SAINT CLOUD
State	FL
Zip	34771-7915
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	R-1M
Legal Description	NEW MAP OF NARCOOSSEE W 80 FT OF E 1465 FT OF S 163 FT LOT 33 LESS EAS OVER N & S 20 FT AKA E 20 FT C15 & ALL C14
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	MARINA CLUB EST
Legal Tract	4260
Legal Block	1
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

4957 Spiral Way, a mobile home, is owned and occupied by two individuals who bought it in November 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4957 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Grant Deed, Transfer · Conventional with PMI MORTGAGE FIRM
Aug 6, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on File
Deed Sale	Nov 12, 2019 · Amount on File
Prior Sale	May 6, 1999 · Amount on File
Deed Document Number	2019147284
Deed Book / Page	5622 / 1473
Record Updated	Jun 8, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 12, 2019
Property Address	4957 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Document Number	0056221473
Book / Page	005622 / 001473
Instrument Date	Nov 7, 2019
Instrument	147284
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4957 SPIRAL WAY ST CLOUD FL 347717915, ST CLOUD, FL 34771-7915

Mortgage

Document Number	56221474
Date	Nov 12, 2019
Book Page	005622/001474
Instrument	147285

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2019
Property Address	4957 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Document Number	0055690135
Book / Page	005569 / 000135
Instrument Date	Jul 25, 2019
Instrument	101289
Transaction Type	Foreclosure
Record Updated	Aug 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3087 N ALAFAYA TRL ORLANDO FL 328263205, ORLANDO, FL 32826-3205

Tax Assessment & Valuation

The 2025 property tax bill for 4957 Spiral Way was $1,456 with a homeowner's exemption.

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	$1,456.00 Homeowner's exemption	$94,516	$197,700 Land $75,000 Building $122,700
2023	$1,306.00 (+6.61%) Homeowner's exemption	$89,178 (+3%)	$208,500 (+66.93%) Land $75,000 Building $133,500
2022	$1,225.00 Homeowner's exemption	$86,581	$124,900 Land $29,600 Building $95,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4957 Spiral Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 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

Wildfire risk around 4957 Spiral Way is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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

Provider	Max 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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