Osceola County property record for 2957 Howley Aly, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,792 sqft · built 2022 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Jan 2026) |
| Tax Bill | $7,224 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042531349200010210 |
| Primary APN | 042531349200010210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Heated Area |
| Gross Area | 2,457 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| 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 | 154 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2957 HOWLEY ALY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 21 |
| Legal Subdivision | BRIDGEWALK |
| Legal Phase | 1A |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042531349200010210
Assessment roll updated July 1, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2957 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 21, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2026 · Amount on Record |
| Deed Sale | Jan 12, 2026 · Amount on Record |
| Prior Sale | Jun 21, 2022 · Amount on Record |
| Deed Document Number | 2026004832 |
| Deed Book / Page | 6907 / 314 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 12, 2026 |
| Property Address | 2957 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0069070314 |
| Book / Page | 6907 / 314 |
| Map Reference | MB 30 PG 50 |
| Instrument Date | Jan 08, 2026 |
| Instrument | 2026004832 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2411 BISCOTTO CIR, DAVENPORT, FL 33897-8388 |
| Name | Verified Name |
|---|---|
| Address | 2957 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0006907316 |
|---|---|
| Date | Jan 12, 2026 |
| Instrument | 6907/316 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 21, 2022 |
| Property Address | 2957 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0062362357 |
| Book / Page | 6236 / 2357 |
| Map Reference | MB 30 PG 50 |
| Instrument Date | May 25, 2022 |
| Instrument | 2022096669 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 26, 2026 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,454.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # 5, 5, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2957 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0062362361 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 6236/2361 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,224.00 (-3.64%) Homeowner's exemption | $363,957 (+5.01%) | $369,500 (+6.61%) Land $90,000 Building $279,500 |
| 2023 | $7,497.00 (+113.04%) | $346,600 (+433.23%) Land $75,000 Building $271,600 | $346,600 (+433.23%) Land $75,000 Building $271,600 |
| 2022 | $3,519.00 | $65,000 Land $65,000 | $65,000 Land $65,000 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AH, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
| Wildfire Risk | High above 85% of the US · above 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
May also be available: Xfinity.
Based on FCC filings for 209 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 | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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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