5247 Bowspirit Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5247 Bowspirit Way, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Apr 2026)
Tax Bill	$2,111 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-0945-0001-1960`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-0945-0001-1960`
Alternative APN	`253129094500011960`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	5247 BOWSPIRIT WAY
City	SAINT CLOUD
State	FL
Zip	34771-6911
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	WATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 196
Legal Subdivision	WATERS AT CENTER LAKE RANCH PHASE 1B
Legal Lot Number	196
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43700

Owner

Source: Osceola County records, as of July 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5247 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Deed Document Number	202645887
Deed Book / Page	6951 / 423
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	5247 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Document Number	0000045887
Book / Page	6951 / 423
Instrument Date	Mar 31, 2026
Instrument	202645887
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406,525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5247 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911

Mortgage

Document Number	0069510425,
Date	Apr 6, 2026
Instrument	202645888

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.62%
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,111.00	$66,000 Land $66,000	$66,000 Land $66,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.7% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Fiber	1,000 / 1,000