2958 Cool Breeze Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2958 Cool Breeze Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,153 sqft · built 2001
Lot Size	0.117 acres (5,096 sqft)
Owner	Individual Name on File
Last Sale	$327,000 (Jul 2026)
Tax Bill	$5,239 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2025 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0592-0001-0720`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0592-0001-0720`
Alternative APNs	`263003059200010720` `81719`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,153 sqft Living Area
Gross Area	1,730 sqft
1st Floor Area	1,153 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,096 sqft (0.117 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	157 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2958 COOL BREEZE CIR
City	SAINT CLOUD
State	FL
Zip	34769-1967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	LAKEVIEW VILLAGE PHASE 2 PB 11 PG 62 LOT 72
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKEVIEW VLG PH 2
Legal Phase	2
Legal Tract	592
Legal Block	720
Legal Lot Number	72
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

Owner

Source: Osceola County records, as of August 11, 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	Individual Name on File
Mailing Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE
Jun 3, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 14, 2021	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Jul 5, 2019	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2026 · Amount on File
Deed Sale	Jul 31, 2026 · Amount on File
Prior Sale	May 14, 2021 · Amount on File
Deed Document Number	2026100081
Deed Book / Page	7012 / 2241
Prior Transfer Date	Feb 10, 2005
Prior Transfer Doc	0027210850
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2026
Property Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Document Number	0000100081
Book / Page	7012 / 2241
Instrument Date	Jul 24, 2026
Instrument	2026100081
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	BLISSFUL CLOSINGS & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231,189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number	0000100082,
Date	Jul 31, 2026
Instrument	2026100082

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number	0067971869
Date	Jun 3, 2025
Book Page	6797/1869
Instrument	2025069352

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2021
Property Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Document Number	0059581228
Book / Page	5958 / 1228
Map Reference	MB 11 PG 62
Instrument Date	May 12, 2021
Instrument	2021074478
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,799.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4870 PINE TREE DR, 4870, SAINT CLOUD, FL 34772-8584

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number	59581229
Date	May 14, 2021
Instrument	5958/1229

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2958 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055521855
Date	Jul 5, 2019
Book Page	5552/1855
Instrument	2019086700

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

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	$5,239.00 (+7.14%)	$294,200 (+10.56%) Land $55,000 Building $239,200	$294,200 (+10.56%) Land $55,000 Building $239,200
2024	$4,890.00 (+9.08%)
2023	$4,483.00 (+13.38%)	$266,100 (+21.4%) Land $50,000 Building $216,100	$266,100 (+21.4%) Land $50,000 Building $216,100
2022	$3,954.00	$219,200 Land $45,000 Building $174,200	$219,200 Land $45,000 Building $174,200

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 File 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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