2582 Cliff Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2582 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	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$424,200 (Apr 2023)
Tax Bill	$6,700 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`112531572200016890`

Property Details

APN / Parcel Number

Primary APN	`112531572200016890`

Interior

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

Exterior

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	87 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2582 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 689
Legal Phase	2A
Legal Lot Number	689
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records · APN 112531572200016890

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
Mailing Address	2582 CLIFF WAY, SAINT CLOUD, FL 34771-9498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 06, 2023 · Amount on Record
Deed Sale	Apr 06, 2023 · Amount on Record
Deed Document Number	2023038920
Deed Book / Page	6382 / 2256
Record Updated	Jun 08, 2026

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 06, 2023
Property Address	2582 CLIFF WAY, SAINT CLOUD, FL 34771-9498
Document Number	0063822256
Book / Page	6382 / 2256
Map Reference	MB 32 PG 15-24
Instrument Date	Mar 31, 2023
Instrument	2023038920
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	$2,969.40
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	2582 CLIFF WAY, SAINT CLOUD, FL 34771-9498

Mortgage

Document Number	0063822258
Date	Apr 06, 2023
Instrument	6382/2258

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 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	$6,700.00 (+120.83%)	$340,800 (+278.67%) Land $60,000 Building $280,800	$340,800 (+278.67%) Land $60,000 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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Very High above 91% of the US · above 85% 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.

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Based on FCC filings for 110 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.