Osceola County property record for 2439 Cliff Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,650 sqft · built 2023 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $466,000 (May 2023) |
| Tax Bill | $7,300 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 112531572200016480 |
| Primary APN | 112531572200016480 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,650 sqft Heated Area |
| Gross Area | 2,300 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,227 sqft (0.119 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 188 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2439 CLIFF WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEL WEBB SUNBRIDGE PH 2A PB 32 PGS 15-24 LOT 648 |
| Legal Phase | 2A |
| Legal Lot Number | 648 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43700 |
Source: Osceola County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2439 CLIFF WAY, SAINT CLOUD, FL 34771-9497 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 17, 2023 | Special Warranty Deed, Subdivision Related Transfer PGP TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on Record |
| Deed Sale | May 17, 2023 · Amount on Record |
| Deed Document Number | 2023063278 |
| Deed Book / Page | 6408 / 2539 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2439 CLIFF WAY, SAINT CLOUD, FL 34771-9497 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2439 CLIFF WAY, SAINT CLOUD, FL 34771-9497 |
| Document Number | 0064650642 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 6465/642 |
| Instrument | 2023113257 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 1, 2028 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2023 |
| Property Address | 2439 CLIFF WAY, SAINT CLOUD, FL 34771-9497 |
| Document Number | 0064082539 |
| Book / Page | 6408 / 2539 |
| Map Reference | MB 32 PG 15-24 |
| Instrument Date | May 15, 2023 |
| Instrument | 2023063278 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,262.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2439 CLIFF WAY, SAINT CLOUD, FL 34771-9497 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,300.00 (+125.45%) Homeowner's exemption | $410,503 (+356.11%) | $433,900 (+382.11%) Land $101,200 Building $332,700 |
| 2023 | $3,238.00 (+84.71%) | $90,000 (+2%) Land $90,000 | $90,000 (+2%) Land $90,000 |
| 2022 | $1,753.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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 | Extreme above 96% of the US · above 92% of Florida |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures