Osceola County property record for 2540 Bittle Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,910 sqft · built 2019 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $264,600 (Oct 2019) |
| Tax Bill | $3,842 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 143453 |
| Primary APN | 143453 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,910 sqft Heated Area |
| Gross Area | 2,470 sqft |
| 1st Floor Area | 1,910 sqft |
| Flooring | Carpet |
| 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 | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 120 ft deep x 73 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 143453 |
|---|---|
| Street Address | 2540 BITTLE WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEWOOD GARDENS PB 19 PGS 1-7 LOT 177 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | PINEWOOD GARDENS |
| Legal Tract | 62 |
| Legal Block | 1 |
| Legal Lot Number | 177 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43208 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Sep 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 8, 2019 | Special Warranty Deed, Transfer · FHA Mortgage CROSS COUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2019 · Amount on Record |
| Deed Sale | Oct 8, 2019 · Amount on Record |
| Deed Document Number | 2019129982 |
| Deed Book / Page | 5602 / 1248 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Document Number | 0060782296 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 6078/2296 |
| Instrument | 2021170781 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Document Number | 0058022493 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 5802/2493 |
| Instrument | 2020130703 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Document Number | 0061181491 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 6118/1491 |
| Instrument | 2021201164 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 8, 2019 |
| Property Address | 2540 BITTLE WAY, SAINT CLOUD, FL 34769-6544 |
| Document Number | 0056021248 |
| Book / Page | 5602 / 1248 |
| Map Reference | MB 19 PG 1-7 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 2019129982 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | TRINITY TTL CO OF CTRL FL LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,852.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 605 COMMONWAALTH AYENUE, 605, TALLAHASSEE, FL 32303 |
| Name | Verified Name |
|---|---|
| Address | 2540 BILLIE WAY, SAINT CLOUD, FL 34769 |
| Investor | Possibly a Property Investor |
| Document Number | 0056021250 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 5602/1250 |
| Name | CROSS COUNTRY MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
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 | $3,842.00 (+6.22%) Homeowner's exemption | $257,558 (+5.99%) | $343,400 (-3.43%) Land $70,000 Building $273,400 |
| 2023 | $3,617.00 (+3.58%) Homeowner's exemption | $243,010 (+3%) | $355,600 (+14.45%) Land $58,000 Building $297,600 |
| 2022 | $3,492.00 Homeowner's exemption | $235,933 | $310,700 Land $58,000 Building $252,700 |
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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