2925 Cool Breeze Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2925 Cool Breeze Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 2001
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$331,000 (Oct 2023)
Tax Bill	$5,294 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0592-0001-0910`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0592-0001-0910`
Alternative APNs	`263003059200010910` `81738`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	1,750 sqft
1st Floor Area	1,290 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	310 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2925 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 91
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VLG PH 2
Legal Phase	2
Legal Tract	592
Legal Block	910
Legal Lot Number	91
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2010
Census Tract	43203

Owner

Source: Osceola County records, as of August 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 30, 2023	Warranty Deed, Transfer · FHA Mortgage EMM LOANS LLC
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Aug 10, 2015 · Amount on Record
Deed Document Number	2023142696
Deed Book / Page	6497 / 1129
Prior Transfer Date	Jun 3, 2019
Prior Transfer Doc	0055781904
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2026
Property Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0000101581
Book / Page	7014 / 2273
Instrument Date	Jun 30, 2026
Instrument	2026101581
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968

Mortgage

Document Number	0000101581,
Date	Aug 4, 2026
Book Page	7014/2273
Instrument	2026101581

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2023
Property Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0064971129
Book / Page	6497 / 1129
Map Reference	MB 11 PG 62
Instrument Date	Oct 18, 2023
Instrument	2023142696
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	PGA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,317.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 10TH ST # ST5, ST5, MIAMI BEACH, FL 33139-5465

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968

Mortgage

Document Number	0064971131
Date	Oct 30, 2023
Instrument	6497/1131

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SAINT MARYS PL, FREEPORT, NY 11520-4614

Mortgage

Document Number	0061590761
Date	Feb 28, 2022
Book Page	6159/761
Instrument	2022031676

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2019
Property Address	2925 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0055781904
Book / Page	005578 / 001904
Instrument Date	Jun 3, 2019
Instrument	109893
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 10TH ST #5 MIAMI BEACH FL 331395462, 5, MIAMI BEACH, FL 33139-5462

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,294.00 (+25.87%)	$295,600 (+10.63%) Land $55,000 Building $240,600	$295,600 (+10.63%) Land $55,000 Building $240,600
2023	$4,206.00 (+13.64%)	$267,200 (+21.34%) Land $50,000 Building $217,200	$267,200 (+21.34%) Land $50,000 Building $217,200
2022	$3,701.00	$220,200 Land $45,000 Building $175,200	$220,200 Land $45,000 Building $175,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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	Hurricane Irma, Sep 2017 · 2 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink, Verizon.

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