2490 Cliff Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2490 Cliff Way, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,584 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Nov 2023)
Tax Bill	$6,173 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112531572200016660`

Property Details

APN / Parcel Number

Primary APN	`112531572200016660`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,584 sqft Heated Area
Gross Area	2,219 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	87 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2490 CLIFF WAY
City	SAINT CLOUD
State	FL
Zip	34771-9496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEL WEBB SUNBRIDGE PH 2A PB 32 PGS 15-24 LOT 666
Legal Phase	2A
Legal Lot Number	666
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records · APN 112531572200016660

Assessment roll updated July 1, 2025 · Last verified December 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	2490 CLIFF WAY, SAINT CLOUD, FL 34771-9496
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Deed Document Number	2023155084
Deed Book / Page	6510 / 1227
Record Updated	Jun 08, 2026

November 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2023
Property Address	2490 CLIFF WAY, SAINT CLOUD, FL 34771-9496
Document Number	0065101227
Book / Page	6510 / 1227
Map Reference	MB 32 PG 15-24
Instrument Date	Nov 21, 2023
Instrument	2023155084
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 20, 2023
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2490 CLIFF WAY, SAINT CLOUD, FL 34771-9496

Mortgage

Document Number	0065101229
Date	Nov 28, 2023
Instrument	6510/1229

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,173.00 (+103.46%) Homeowner's exemption	$343,600 (+281.78%) Land $63,000 Building $280,600	$343,600 (+281.78%) Land $63,000 Building $280,600
2023	$3,034.00 (+95.87%)	$90,000 (+2%) Land $90,000	$90,000 (+2%) Land $90,000
2022	$1,549.00	$30,000 Land $30,000	$30,000 Land $30,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	Extreme above 96% of the US · above 91% of Florida
Wildfire Likelihood	About 1 in 59 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 110 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.