Osceola County property record for 2231 Bittle Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,791 sqft · built 2018 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,600 (Jan 2019) |
| Tax Bill | $4,876 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 143299 |
| Primary APN | 143299 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,791 sqft Heated Area |
| Gross Area | 3,510 sqft |
| 1st Floor Area | 1,203 sqft |
| Upper Floors Area | 1,588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Finished |
| Garage Area | 501 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 280 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Deck Area | 811 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 143299 |
|---|---|
| Street Address | 2231 BITTLE WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEWOOD GARDENS PB 19 PGS 1-7 LOT 23 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINEWOOD GARDENS |
| Legal Tract | 62 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 43208 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2231 BITTLE WAY, SAINT CLOUD, FL 34769-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONS LENDING CORP |
| Jan 14, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage NATIONS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2019 · Amount on Record |
| Deed Sale | Jan 14, 2019 · Amount on Record |
| Deed Document Number | 2019005479 |
| Deed Book / Page | 5462 / 2249 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2231 BITTLE WAY, SAINT CLOUD, FL 34769-6537 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 2231 BITTLE WAY, SAINT CLOUD, FL 34769-6537 |
| Document Number | 0059312429 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 5931/2429 |
| Instrument | 2021053664 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 1, 2041 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 14, 2019 |
| Property Address | 2231 BITTLE WAY, SAINT CLOUD, FL 34769-6537 |
| Document Number | 0054622249 |
| Book / Page | 005462 / 002249 |
| Instrument Date | Jan 10, 2019 |
| Instrument | 5479 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 29, 2019 |
| Title Company | AMERICAN HOME TITLE AND ESCROW COMPANY, AMERICAN HM TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,201.54 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2231 BITTLE WAY ST CLOUD FL 347696537, ST CLOUD, FL 34769-6537 |
| Document Number | 54622250 |
|---|---|
| Date | Jan 14, 2019 |
| Book Page | 005462/002250 |
| Instrument | 5480 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 13, 2049 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,876.00 (+6.02%) Homeowner's exemption | $315,338 (+5.99%) | $418,800 (-0.57%) Land $70,000 Building $348,800 |
| 2023 | $4,599.00 (+18.87%) Homeowner's exemption | $297,526 (+15.85%) | $421,200 (+24.32%) Land $58,000 Building $363,200 |
| 2022 | $3,869.00 Homeowner's exemption | $256,822 | $338,800 Land $58,000 Building $280,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · lower than 81% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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