Osceola County property record for 2578 Cliff Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,584 sqft · built 2023 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $335,000 (Jan 2026) |
| Tax Bill | $6,674 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 112531572200016880 |
| Primary APN | 112531572200016880 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,584 sqft Heated Area |
| Gross Area | 2,220 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 213 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2578 CLIFF WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEL WEBB SUNBRIDGE PH 2A PB 32 PGS 15-24 LOT 688 |
| Legal Phase | 2A |
| Legal Lot Number | 688 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43700 |
Source: Osceola County records, as of January 28, 2026
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 | 13846 TYBEE BEACH LN, ORLANDO, FL 32827-7953 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Apr 13, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on Record |
| Deed Sale | Jan 20, 2026 · Amount on Record |
| Prior Sale | Apr 13, 2023 · Amount on Record |
| Deed Document Number | 2026007498 |
| Deed Book / Page | 6909 / 2357 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2026 |
| Property Address | 2578 CLIFF WAY, SAINT CLOUD, FL 34771-9498 |
| Document Number | 0069092357 |
| Book / Page | 6909 / 2357 |
| Map Reference | MB 32 PG 15-24 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 2026007498 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Title Company | UNKNOWN, CITRUS CLOSING GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2872 CHERRY BLOSSOM LOOP, SAINT CLOUD, FL 34771-9336 |
| Name | Verified Name |
|---|---|
| Address | 13846 TYBEE BEACH LN, ORLANDO, FL 32827-7953 |
| Document Number | 0069092359 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 6909/2359 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 13, 2023 |
| Property Address | 2578 CLIFF WAY, SAINT CLOUD, FL 34771-9498 |
| Document Number | 0063870944 |
| Book / Page | 6387 / 944 |
| Map Reference | MB 32 PG 15-24 |
| Instrument Date | Apr 7, 2023 |
| Instrument | 2023042592 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 27, 2023 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,798.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2872 CHERRY BLOSSOM LOOP, SAINT CLOUD, FL 34771-9336 |
| Document Number | 0006387946 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 6387/946 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,674.00 (+119.97%) | $338,900 (+276.56%) Land $60,000 Building $278,900 | $338,900 (+276.56%) Land $60,000 Building $278,900 |
| 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.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 68.4 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 | Very High above 91% of the US · above 85% of Florida |
|---|---|
| Wildfire Likelihood | 2% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 | 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 |
| 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.
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 |
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