Osceola County property record for 2451 Bittle Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,791 sqft · built 2018 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $287,000 (Sep 2018) |
| Tax Bill | $4,323 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0062-0001-0400 |
| Primary APN | 09-26-30-0062-0001-0400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,791 sqft Living Area |
| Gross Area | 3,312 sqft |
| 1st Floor Area | 1,203 sqft |
| Upper Floors Area | 1,588 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Type | Attached |
| Garage Area | 501 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 20 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2451 BITTLE WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEWOOD GARDENS PB 19 PGS 1-7 LOT 40 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINEWOOD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 43208 |
Source: Osceola County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Mar 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 6, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2018 · Amount on Record |
| Deed Sale | Sep 6, 2018 · Amount on Record |
| Deed Document Number | 2018134422 |
| Deed Book / Page | 5396 / 2026 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 26, 2026 |
| Property Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0000068152 |
| Book / Page | 6976 / 1043 |
| Instrument Date | May 7, 2026 |
| Instrument | 202668152 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0000068152, |
|---|---|
| Date | May 26, 2026 |
| Book Page | 6976/1043 |
| Instrument | 202668152 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 311 Months |
| Due | Apr 1, 2052 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0061791831 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | 6179/1831 |
| Instrument | 2022047703 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 6, 2018 |
| Property Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0053962026 |
| Book / Page | 5396 / 2026 |
| Map Reference | MB19 PG1-7 |
| Instrument Date | Aug 31, 2018 |
| Instrument | 2018134422 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | AMERICAN HOME TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,009.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 WELLS RD # 105, 1560, ORANGE PARK, FL 32073-6780 |
| Name | Verified Name |
|---|---|
| Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0053962027 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 5396/2027 |
| Instrument | 2018134423 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
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 | $4,323.00 (+6.14%) Homeowner's exemption | $284,402 (+5.99%) | $387,400 (-1.1%) Land $70,000 Building $317,400 |
| 2023 | $4,073.00 (+3.51%) Homeowner's exemption | $268,337 (+3%) | $391,700 (+14.36%) Land $58,000 Building $333,700 |
| 2022 | $3,935.00 Homeowner's exemption | $260,522 | $342,500 Land $58,000 Building $284,500 |
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 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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