Osceola County property record for 2969 Howley Aly, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,450 sqft · built 2021 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $509,000 (Apr 2024) |
| Tax Bill | $8,270 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042531349200010240 |
| Primary APN | 042531349200010240 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,450 sqft Heated Area |
| Gross Area | 3,324 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| 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 | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2969 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 24 |
| Legal Subdivision | BRIDGEWALK |
| Legal Phase | 1A |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042531349200010240
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2969 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2024 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 20, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 09, 2024 · Amount on Record |
| Deed Sale | Apr 09, 2024 · Amount on Record |
| Prior Sale | Dec 20, 2021 · Amount on Record |
| Deed Document Number | 2024045161 |
| Deed Book / Page | 6579 / 1237 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2969 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2969 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0065791239 |
|---|---|
| Date | Apr 09, 2024 |
| Book Page | 6579/1239 |
| Instrument | 2024045162 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 20, 2021 |
| Property Address | 2969 HOWLEY ALY, SAINT CLOUD, FL 34771-8451 |
| Document Number | 0061120015 |
| Book / Page | 6112 / 15 |
| Map Reference | MB 30 PG 50 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021196166 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,827.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 12474 BLUMBERG LN, ORLANDO, FL 32827-7659 |
| Document Number | 0000611219 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 6112/19 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $8,270.00 (+4.54%) | $398,600 (+5.93%) Land $90,000 Building $308,600 | $398,600 (+5.93%) Land $90,000 Building $308,600 |
| 2023 | $7,911.00 (+2.54%) | $376,300 (+3.04%) Land $75,000 Building $301,300 | $376,300 (+3.04%) Land $75,000 Building $301,300 |
| 2022 | $7,715.00 | $365,200 Land $65,000 Building $300,200 | $365,200 Land $65,000 Building $300,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AH, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 330 individual NFIP policies nearby |
| 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, tidal / storm surge, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | High above 86% of the US · above 78% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 114 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 209 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Fiber | 1,000 / 1,000 |
May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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