518 Water St, Celebration (Kissimmee), FL 34747 Property Records

Osceola County property record for 518 Water St, Celebration, FL 34747

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 1,003 sqft · built 1998
Lot Size	0.007 acres (305 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2022)
Tax Bill	$3,800 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10723`

Property Details

APN / Parcel Number

Primary APN	`10723`
Alternative APN	`072528542300015180`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,003 sqft Heated Area
1st Floor Area	1,003 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Built-Up Asphalt
Lot Area	305 sqft (0.007 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	10723
Street Address	518 WATER ST
City	CELEBRATION
State	FL
Zip	34747-4639
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	OPUD
Legal Description	WATER STREET CONDO PH 4 CB 4 PG 72-79 UNIT 518
Legal Range	28E
Legal Township	25S
Legal Section	07
Legal Subdivision	WATER STREET CONDOMINIUM
Legal Phase	4
Legal Tract	5423
Legal Block	1
Legal Lot Number	518
Jurisdiction	OSCEOLA FL
Township / Civil Division	KISSIMMEE
Census Block Group	1
Census Block	1011
Census Tract	40807

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 Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	518 WATER ST, CELEBRATION, FL 34747-4639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC
Oct 11, 2021	Warranty Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC
Aug 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Oct 11, 2021 · Amount on Record
Deed Document Number	2022008501
Deed Book / Page	6130 / 1244
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2022
Property Address	518 WATER ST, CELEBRATION, FL 34747-4639
Document Number	0061301244
Book / Page	6130 / 1244
Map Reference	MB 4 PG 5&6
Instrument Date	Jan 7, 2022
Instrument	2022008501
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	EQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 DUMONT ST APT 415, 650, CELEBRATION, FL 34747-4332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 WATER ST, CELEBRATION, FL 34747-4639

Mortgage

Document Number	0061301247
Date	Jan 18, 2022
Instrument	6130/1247

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2021
Property Address	518 WATER ST, CELEBRATION, FL 34747-4639
Document Number	0060622507
Book / Page	6062 / 2507
Map Reference	MB 4 PG 5
Instrument Date	Oct 8, 2021
Instrument	2021157907
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount Recorded
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1593 CASTILE ST, 1593, CELEBRATION, FL 34747-5320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 WATER ST, CELEBRATION, FL 34747-4639

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	518 WATER ST, CELEBRATION, FL 34747-4639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052001986
Date	Aug 28, 2017
Book Page	5200/1986
Instrument	2017123807

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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	$3,800.00 (-2.01%) Homeowner's exemption	$260,900 (+10.13%) Building $260,900	$260,900 (+10.13%) Building $260,900
2023	$3,878.00 (+14.23%)	$236,900 (+14.94%) Building $236,900	$236,900 (+14.94%) Building $236,900
2022	$3,395.00	$206,100 Building $206,100	$206,100 Building $206,100

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force

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 Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach

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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Alteva of Warwick Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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