2498 Cliff Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2498 Cliff Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,584 sqft · built 2023
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on File
Last Sale	$415,100 (May 2023)
Tax Bill	$1,978 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-25-31-5722-0001-6680`

Property Details

APN / Parcel Number

Primary APN	`11-25-31-5722-0001-6680`
Alternative APN	`253111572200016680`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,584 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	423 sqft
Porch	Florida Room
Porch Area	87 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	2498 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 668
Legal Subdivision	DEL WEBB SUNBRIDGE PHASE 2A
Legal Lot Number	668
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of November 26, 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
Mailing Address	2498 CLIFF WAY, SAINT CLOUD, FL 34771-9496
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 2, 2023 · Amount on Record
Deed Sale	May 2, 2023 · Amount on Record
Deed Document Number	202354956
Deed Book / Page	6399 / 1886
Record Updated	Sep 20, 2026

May 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2023
Property Address	2498 CLIFF WAY, SAINT CLOUD, FL 34771-9496
Document Number	0063991886
Book / Page	6399 / 1886
Map Reference	MB 32 PG 15-24
Instrument Date	Apr 26, 2023
Instrument	2023054956
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.70
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	2498 CLIFF WAY, SAINT CLOUD, FL 34771-9496

Mortgage

Document Number	0063991888
Date	May 2, 2023
Instrument	6399/1888

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,978.00 (-34.81%) Homeowner's exemption Veteran's exemption	$343,800 (+282%) Land $63,000 Building $280,800	$343,800 (+282%) Land $63,000 Building $280,800
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

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

Flood

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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 95% of the US · above 91% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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