Osceola County property record for 2491 Bittle Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,875 sqft · built 2019 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Jun 2023) |
| Tax Bill | $5,115 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 143320 |
| Primary APN | 143320 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,875 sqft Heated Area |
| Gross Area | 2,386 sqft |
| 1st Floor Area | 777 sqft |
| Upper Floors Area | 1,098 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Porch | Open Porch |
| Porch Area | 70 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 143320 |
|---|---|
| Street Address | 2491 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 44 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINEWOOD GARDENS |
| Legal Tract | 62 |
| Legal Block | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 43208 |
2491 Bittle Way is owned and occupied by an individual who bought it in June 2023.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2491 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| 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 |
|---|---|
| Jun 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage METRO CITY BANK |
| Aug 5, 2019 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2023 · Amount on File |
| Deed Sale | Jun 22, 2023 · Amount on File |
| Prior Sale | Aug 5, 2019 · Amount on File |
| Deed Document Number | 2023080786 |
| Deed Book / Page | 6429 / 180 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 22, 2023 |
| Property Address | 2491 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0064290180 |
| Book / Page | 6429 / 180 |
| Map Reference | MB 19 PG 1-7 |
| Instrument Date | Jun 12, 2023 |
| Instrument | 2023080786 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | RED DOOR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17258 HICKORY WIND DR, CLERMONT, FL 34711-8678 |
| Name | Verified Name |
|---|---|
| Address | 2491 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0006429182 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 6429/182 |
| Name | METRO CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 7.12% |
| Max Rate At Change | 9.37% |
| Index | 1-Year T-Bill |
| Max Rate | 13.3% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 5, 2019 |
| Property Address | 2491 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0055680665 |
| Book / Page | 5568 / 0665 |
| Map Reference | MB 19 PG 1-7 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 2019100685 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,959.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 WELLS RDA, 1560, ORANGE PARK, FL 32073 |
| Name | Verified Name |
|---|---|
| Address | 2491 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0005568666 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 5568/666 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 2491 Bittle Way was $5,115 with a homeowner's exemption.
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 | $5,115.00 Homeowner's exemption | $328,700 Land $70,000 Building $258,700 | $328,700 Land $70,000 Building $258,700 |
| 2023 | $3,431.00 (+3.59%) Homeowner's exemption | $232,684 (+3%) | $339,600 (+14.27%) Land $58,000 Building $281,600 |
| 2022 | $3,312.00 Homeowner's exemption | $225,907 | $297,200 Land $58,000 Building $239,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2491 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 2491 Bittle Way is moderate, ranking above 53% 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 53% of the US · lower than 76% 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 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 100 / 100 |
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