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Single Family ResidenceResidential
$373,398$204 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $307,150 on Oct 2, 2020

1640 SPRAY TER

SAINT CLOUD, FL 34771
4
Beds
2
Baths
1,830 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$373K
$347K low$399K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$307,150 · Oct 2, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,307 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$300,316 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$291,853
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$347,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
43
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
80
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyOSCEOLA
Lot (acres)The size of the land the home sits on, from county records.0.14
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Narcoossee Elementary SchoolB
Elementary · Grades KG–5 · 1.3 mi
M
Narcoossee Middle SchoolB-
Middle · Grades 6–8 · 1.4 mi
H
Tohopekaliga High SchoolC+
High · Grades 9–12 · 4.3 mi

District: Osceola County School District

Neighborhood · ZIP 34771These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.121
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.32,734
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.250 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,585
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,947
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1640 Spray Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 79% of homes in Saint Cloud 34771
  • Smaller than 65% of homes in Saint Cloud 34771
  • Has a smaller lot than 76% of homes in Saint Cloud 34771
  • Newer than 85% of homes in Osceola County

What homes are worth in Saint Cloud 34771

Each bar is how many homes fall in that price range. The marker is this home.

This home
$288K$899K

This home is worth more than 21% of homes in Saint Cloud 34771.

How it measures up in Saint Cloud 34771

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34771.

Estimated value$373,398
CheaperTypical $442,336Pricier

Pricier than 21% of homes nearby

Price per ft²$204
CheaperTypical $210Pricier

Pricier than 43% of homes nearby

Living area1,830 ft²
SmallerTypical 2,054 ft²Bigger

Bigger than 35% of homes nearby

Lot size0.14 ac
SmallerTypical 0.17 acBigger

Bigger than 24% of homes nearby

Year built2020
OlderTypical 2019Newer

Newer than 62% of homes nearby

How 1640 Spray Ter ranks against every home in each area.
MeasureThis homeSaint Cloud 34771Osceola County
Estimated valuepricier than$373,39821% of homes55% of homes
Price per ft²pricier than$20443% of homes56% of homes
Living areabigger than1,830 ft²35% of homes52% of homes
Lot sizebigger than0.14 ac24% of homes38% of homes
Year builtnewer than202062% of homes85% of homes

About 1640 Spray Ter

How much is 1640 Spray Ter, Saint Cloud, FL worth?

The TopHap Estimate for 1640 Spray Ter, Saint Cloud, FL is $373,398 as of Aug 30, 2026. The likely range is $347,369 to $399,427. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1640 Spray Ter, Saint Cloud, FL last sell?

1640 Spray Ter, Saint Cloud, FL last sold on Oct 2, 2020 for $307,150, according to the county's recorded deed.

How big is 1640 Spray Ter, Saint Cloud, FL?

1640 Spray Ter, Saint Cloud, FL has 4 bedrooms, 2 bathrooms, 1,830 square feet of living space and a 0.14-acre lot.

When was 1640 Spray Ter, Saint Cloud, FL built?

1640 Spray Ter, Saint Cloud, FL was built in 2020, making it 6 years old. It is a conventional home. The building has 1 story.

What schools serve 1640 Spray Ter, Saint Cloud, FL?

1640 Spray Ter, Saint Cloud, FL is assigned to Narcoossee Elementary School (elementary), rated B; Narcoossee Middle School (middle), rated B-; Tohopekaliga High School (high), rated C+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1640 Spray Ter, Saint Cloud, FL compare to other homes in Saint Cloud 34771?

Among the 15,599 homes in Saint Cloud 34771, it is worth more than 21% of them ($373,398 against a typical $442,336), its price per square foot is higher than 43% of them ($204 against a typical $210), it is bigger than 35% of them (1,830 ft² against a typical 2,054 ft²), its lot is bigger than 24% of them (0.14 ac against a typical 0.17 ac) and it is newer than 62% of them (2020 against a typical 2019). Measured against all of Osceola County, it is worth more than 55% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1640 Spray Ter, Saint Cloud, FL?

The 2025 property tax bill for 1640 Spray Ter, Saint Cloud, FL was $4,307. The county assessed it at $300,316.

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