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4960 Spiral Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4960 Spiral Way, Saint Cloud, FL 34771

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 1,792 sqft · built 1986
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on Record
Tax Bill$1,105 (2025)
Deeds & MortgagesJan 2020 Loan Modification
Flood ZoneZone AE (high risk)
APN90606

Property Details

APN / Parcel Number

Primary APN90606
Alternative APN
  • 082531515100010070

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,792 sqft Heated Area
Gross Area2,312 sqft
1st Floor Area1,792 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1986
Architectural StyleMobile/Manufactured
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area43,560 sqft (1 acres)

Exterior Amenities

PorchOpen Porch
Porch Area520 sqft
FenceFence
Shed1 Shed
Shed Area48 sqft
Utility Building120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number90606
Street Address4960 SPIRAL WAY
CitySAINT CLOUD
StateFL
Zip34771-7905
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeOARM
Legal DescriptionSUNNY LAKE ESTATES PB 4 PG 101 LOT 7
Legal Range31E
Legal Township25S
Legal Section08
Legal SubdivisionSUNNY LAKE ESTATES
Legal Tract5151
Legal Block1
Legal Lot Number7
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address4960 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 12, 2020
Deed SaleNov 12, 2020
Deed Book / Page01292 / 02330
Prior Transfer DateNov 20, 1995
Prior Transfer Doc0129202330
Record UpdatedJun 8, 2026

January 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4960 SPIRAL WAY, SAINT CLOUD, FL 34771-7905
Document Number0056781104
Instrument DateJan 27, 2020
Transaction TypeMortgage
Record UpdatedMar 23, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4960 SPIRAL WAY ST CLOUD FL 347717905, ST CLOUD, FL 34771-7905

Mortgage

Document Number0056781104
DateFeb 21, 2020
Book Page005678/001104
Instrument25804
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressFISHERS, IN 46037
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 20, 2050
Interest
Rate TypeFixed Rate
Rate3.87%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$1,105.00 (+10.72%) Homeowner's exemption Widower's exemption$71,733 (+5.99%)$194,500 (+8.3%) Land $95,000 Building $99,500
2023$998.00 (-1.38%) Homeowner's exemption Widower's exemption$67,682 (+3%)$179,600 (+34.94%) Land $70,000 Building $109,600
2022$1,012.00 Homeowner's exemption$65,711$133,100 Land $46,000 Building $87,100

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 RiskModerate
above 57% of the US · lower than 69% of Florida
Wildfire Likelihood0.1% 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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