Osceola County property record for 2909 Cool Breeze Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 2001 |
| Lot Size | 0.114 acres (5,009 sqft) |
| Owner | Company Name on File |
| Last Sale | $325,000 (Mar 2022) |
| Tax Bill | $5,436 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 81735 |
| Primary APN | 81735 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,524 sqft Heated Area |
| Gross Area | 1,958 sqft |
| 1st Floor Area | 1,524 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,009 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 55 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 34 sqft |
| Patio Area | 64 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 81735 |
|---|---|
| Street Address | 2909 COOL BREEZE CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1968 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | LAKEVIEW VILLAGE PHASE 2 PB 11 PG 62 LOT 88 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | LAKEVIEW VILLAGE |
| Legal Phase | 2 |
| Legal Tract | 592 |
| Legal Block | 1 |
| Legal Lot Number | 88 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 43203 |
Source: Osceola County records · APN 81735
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 | Company Name on File |
|---|---|
| Mailing Address | 600 GALLERIA PKWY SE STE 300, 300, ATLANTA, GA 30339-8146 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Dec 19, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
| Mar 29, 2022 | Warranty Deed, Transfer A AND A TITLE, A & A TITLE |
| Nov 15, 2021 | Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 29, 2022 · Amount on Record |
| Deed Sale | Mar 29, 2022 · Amount on Record |
| Prior Sale | Nov 15, 2021 · Amount on Record |
| Deed Document Number | 2022049596 |
| Deed Book / Page | 6181 / 2458 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2909 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Title Company | OS NATIONAL LLC |
| Name | Verified Name |
|---|
| Document Number | 0063312384 |
|---|---|
| Date | Dec 19, 2022 |
| Book Page | 6331/2384 |
| Instrument | 2022181071 |
| Name | MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 29, 2022 |
| Property Address | 2909 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968 |
| Document Number | 0061812458 |
| Book / Page | 6181 / 2458 |
| Map Reference | MB 11 PG 62 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022049596 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | A AND A TITLE, A & A TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 15, 2021 |
| Property Address | 2909 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968 |
| Document Number | 0060860512 |
| Book / Page | 6086 / 512 |
| Map Reference | MB 11 PG 62 |
| Instrument Date | Nov 11, 2021 |
| Instrument | 2021176806 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,081.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2909 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,436.00 (+9.95%) | $303,500 (+10.65%) Land $55,000 Building $248,500 | $303,500 (+10.65%) Land $55,000 Building $248,500 |
| 2023 | $4,944.00 (+21.3%) | $274,300 (+21.37%) Land $50,000 Building $224,300 | $274,300 (+21.37%) Land $50,000 Building $224,300 |
| 2022 | $4,076.00 | $226,000 Land $45,000 Building $181,000 | $226,000 Land $45,000 Building $181,000 |
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
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 71 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Lumen Technologies, Verizon.
Based on FCC filings for 420 locations within half a mile of this property.
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 | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 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.
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