Osceola County property record for 2440 Bittle Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,646 sqft · built 2019 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Nov 2020) |
| Tax Bill | $4,499 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0062-0001-1820 |
| Primary APN | 09-26-30-0062-0001-1820 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,646 sqft Living Area |
| Gross Area | 3,561 sqft |
| 1st Floor Area | 1,171 sqft |
| Upper Floors Area | 1,475 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 691 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 2440 BITTLE WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEWOOD GARDENS PB 19 PGS 1-7 LOT 182 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINEWOOD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 182 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43208 |
2440 Bittle Way is owned and occupied by two individuals who bought it in November 2020.
Source: Osceola County records, as of January 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 12, 2026 | Deed of Trust, Mortgage VOYAGER LENDING |
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Nov 17, 2020 | Correction Deed STEWART TITLE |
| Oct 21, 2019 | Grant Deed, Subdivision Related Transfer · FHA Mortgage SUPREME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on File |
| Deed Sale | Nov 17, 2020 · Amount on File |
| Prior Sale | Oct 13, 2020 · Amount on File |
| Deed Document Number | 2020157037 |
| Deed Book / Page | 5834 / 799 |
| Prior Transfer Date | Oct 4, 2020 |
| Prior Transfer Doc | 0058340799 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Document Number | 0069061274 |
|---|---|
| Date | Jan 12, 2026 |
| Book Page | 6906/1274 |
| Instrument | 2026004092 |
| Name | VOYAGER LENDING |
|---|---|
| Type | Non-Lending Institution |
| Address | PASCAGOULA, MS 39568 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 13, 2020 |
| Property Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Document Number | 0058110154 |
| Book / Page | 5811 / 154 |
| Map Reference | MB 19 PG 1-17 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 2020137323 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3428 MIDDLEBROOK PL, 3428, SAINT CLOUD, FL 34773-6056 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Document Number | 5811155 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 5811/155 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 17, 2020 |
| Property Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Document Number | 0058340799 |
| Book / Page | 005834 / 000799 |
| Instrument Date | Oct 9, 2020 |
| Instrument | 157037 |
| Record Updated | Dec 4, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,345.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2440 BITTLE WAY ST CLOUD FL 347696542, ST CLOUD, FL 34769-6542 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 21, 2019 |
| Property Address | 2440 BITTLE WAY, SAINT CLOUD, FL 34769-6542 |
| Document Number | 0056082194 |
| Book / Page | 005608 / 002194 |
| Instrument Date | Oct 17, 2019 |
| Instrument | 135526 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 1, 2019 |
| Title Company | AMERICAN HOME TITLE AND ESCROW COMPANY, AMERICAN HM TITLE & ESCROW CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,218.81 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2440 BITTLE WAY ST CLOUD FL 347696542, ST CLOUD, FL 34769-6542 |
| Document Number | 56082195 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 005608/002195 |
| Instrument | 135527 |
| Name | SUPREME LNDG |
|---|---|
| Address | DALLAS, TX 75254 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 20, 2049 |
The 2025 property tax bill for 2440 Bittle Way was $4,499 with a homeowner's exemption, up 3.4% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $4,499.00 (+3.45%) Homeowner's exemption | $294,263 | $395,700 Land $70,000 Building $325,700 |
| 2024 | $4,349.00 (+2.55%) | ||
| 2023 | $4,241.00 (+3.49%) Homeowner's exemption | $277,641 (+3%) | $400,800 (+14.61%) Land $58,000 Building $342,800 |
| 2022 | $4,098.00 Homeowner's exemption | $269,555 | $349,700 Land $58,000 Building $291,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2440 Bittle Way in Zone X, an area of minimal flood risk.
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 File 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.
Wildfire risk around 2440 Bittle Way is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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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