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4995 Spiral Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4995 Spiral Way, Saint Cloud, FL 34771

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,296 sqft · built 1995
Lot Size0.337 acres (14,679 sqft)
OwnerIndividual Name on File
Last Sale$230,000 (May 2025)
Tax Bill$1,179 (2025)
Deeds & MortgagesMay 2025 Line of Credit
Jun 2021 Transfer
Flood ZoneZone AE (high risk)
APN08-25-31-4260-0001-033L

Property Details

APN / Parcel Number

Primary APN08-25-31-4260-0001-033L
Alternative APNs
  • 25310842600001033L
  • 90548

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,296 sqft Living Area
1st Floor Area1,296 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Architectural StyleCustom Design
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,679 sqft (0.337 acres)
Lot Dimensions125 ft deep x 90 ft wide
Garage TypeCarport
Garage Area252 sqft
CarportCarport
Carport Area252 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFlorida Room
Porch Area302 sqft
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4995 SPIRAL WAY
CitySAINT CLOUD
StateFL
Zip34771-7915
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeR-1M
Legal DescriptionNEW MAP OF NARCOOSSEE W 90 FT OF E 1115 FT OF S 163 FT OF LOT 33 LESS EAS OVER N & S 20 FT AKA C8, & E 30 FT OF C9 463/382
Legal Range31E
Legal Township25S
Legal Section08
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block33L
Legal Lot Number33
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

4995 Spiral Way, a mobile home, is owned by an individual who bought it in May 2025.

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

Owner of RecordIndividual Name on File
Mailing Address4985 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Owner TypeIndividual
VestingMarried Woman, Separate Property

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

DateDocument
May 7, 2025Deed of Trust, Mortgage · Line of Credit
SOUTHSTATE BANK NA
Jun 9, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 7, 2025 · Amount on File
Deed SaleMay 7, 2025 · Amount on File
Deed Document Number202557797
Deed Book / Page6783 / 2764
Prior Transfer DateMay 25, 2021
Prior Transfer Doc0059771596
Record UpdatedJun 8, 2026

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4995 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4985 SPIRAL WAY, SAINT CLOUD, FL 34771-7915

Mortgage

Document Number0067832767
DateMay 7, 2025
Book Page6783/2767
Instrument2025057798
Lender
NameSOUTHSTATE BANK NA
TypeBank
AddressKISSIMMEE, FL 34743
Agreement
TypeLine of Credit
AmountAmount on Record

June 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJun 9, 2021
Property Address4995 SPIRAL WAY, SAINT CLOUD, FL 34771-7915
Document Number0059771596
Book / Page5977 / 1596
Instrument DateMay 25, 2021
Instrument2021089944
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address4995 SPIRAL WAY, SAINT CLOUD, FL 34771-7915

Tax Assessment & Valuation

The 2025 property tax bill for 4995 Spiral Way was $1,179, up 8.6% from the year before.

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$1,179.00 (+8.56%)$72,741$161,400 Land $75,000 Building $86,400
2024$1,086.00 (+1.21%)
2023$1,073.00 (+5.51%) Homeowner's exemption$68,633 (+3%)$169,000 (+67.33%) Land $75,000 Building $94,000
2022$1,017.00 Homeowner's exemption$66,634$101,000 Land $33,300 Building $67,700

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 4995 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 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 File
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

Wildfire risk around 4995 Spiral Way is moderate, ranking above 52% 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 RiskModerate
above 52% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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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