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5271 Bowspirit Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5271 Bowspirit Way, Saint Cloud, FL 34771

Property Summary

Property TypeVacant Land
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on Record
Last Sale$590,000 (Apr 2026)
Tax Bill$2,111 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Apr 2026 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN29-25-31-0945-0001-2000

Property Details

APN / Parcel Number

Primary APN29-25-31-0945-0001-2000
Alternative APN
  • 253129094500012000

Exterior

Lot Area6,534 sqft (0.15 acres)

Location & Zoning

Street Address5271 BOWSPIRIT WAY
CitySAINT CLOUD
StateFL
Zip34771-6911
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionWATERS AT CENTER LAKE RANCH PH 1B PB 35 PGS 161-174 LOT 200
Legal SubdivisionWATERS AT CENTER LAKE RANCH PHASE 1B
Legal Lot Number200
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3013
Census Tract43700

Owner

Source: Osceola County records, as of July 6, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Apr 30, 2026Special Warranty Deed, Transfer · FHA Mortgage
ROCKET MORTGAGE LLC
Apr 30, 2026Special Warranty Deed, Transfer · FHA Mortgage
ROCKET MORTGAGE LLC
Mar 3, 2026Special Warranty Deed, Transfer
INSPIRED TITLE SERVICES LLC
Nov 10, 2025Special Warranty Deed, Transfer · Conventional Mortgage
PFN LENDING GROUP INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2026 · Amount on Record
Deed SaleApr 30, 2026 · Amount on Record
Deed Document Number202656994
Deed Book / Page6963 / 2283
Record UpdatedSep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2026
Property Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Document Number0000056994
Book / Page6963 / 2283
Instrument DateApr 29, 2026
Instrument2026.56994
Transaction TypeTransfer
Record UpdatedMay 11, 2026
Title CompanyINSURED TITLE, INSPIRED TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$417,130.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911

Mortgage

Document Number0000056995,
DateApr 30, 2026
Instrument2026..56995
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate6.22%
Max Rate-1%

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2026
Property Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Document Number0069632283
Book / Page6963 / 2283
Instrument DateApr 29, 2026
Instrument202656994
Transaction TypeTransfer
Record UpdatedJul 6, 2026
Title CompanyINSPIRED TITLE SERVICES LLC, INSPIRED TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$417,130.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911

Mortgage

Document Number0000056995,
DateApr 30, 2026
Instrument202656995
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate6.22%
Max Rate-1%

March 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 3, 2026
Property Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Document Number0069302103
Book / Page6930 / 2103
Map ReferenceMB 35 PG 161-174
Instrument DateFeb 26, 2026
Instrument2026027962
Transaction TypeTransfer
Record UpdatedMar 12, 2026
Title CompanyINSPIRED TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Tax$5,525.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2600 LAKE LUCIEN DR STE 350, 350, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address843 LADYFISH TRL, SAINT CLOUD, FL 34771-6929

November 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 10, 2025
Property Address5271 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911
Document Number0068780786
Book / Page6878 / 786
Map ReferenceMB 35 PG 161-174
Instrument DateNov 7, 2025
Instrument2025138872
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyINSPIRED TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,745.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2600 LAKE LUCIEN DR STE 350, 350, MAITLAND, FL 32751-7489

Transferred To (Grantee/Buyer)

NameVerified Name
Address5283 BOWSPIRIT WAY, SAINT CLOUD, FL 34771-6911

Mortgage

Document Number0006878788
DateNov 10, 2025
Instrument6878/788
Lender
NamePFN LENDING GROUP INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 RiskHigh
above 79% of the US · above 68% of Florida
Wildfire Likelihood0.6% 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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

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