2973 Cool Breeze Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2973 Cool Breeze Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,173 sqft · built 2002
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jun 2025)
Tax Bill	$4,203 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`81746`

Property Details

APN / Parcel Number

Primary APN	`81746`
Alternative APN	`032630059200010990`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,173 sqft Heated Area
Gross Area	1,914 sqft
1st Floor Area	1,173 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
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 50 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	341 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81746
Street Address	2973 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 99
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	99
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 December 11, 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 Record
Mailing Address	2973 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2025	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 24, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2023	Warranty Deed, Transfer ASSURE AMERICA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2025 · Amount on Record
Deed Sale	Jun 23, 2025 · Amount on Record
Prior Sale	Oct 24, 2023 · Amount on Record
Deed Document Number	2025078380
Deed Book / Page	6808 / 347
Record Updated	Jun 8, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2025
Property Address	2973 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0068080347
Book / Page	6808 / 347
Map Reference	MB 11 PG 62
Instrument Date	Jun 3, 2025
Instrument	2025078380
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	BLISSFUL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2737 NOTTEL DR, SAINT CLOUD, FL 34772-8787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2973 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968

Mortgage

Document Number	0006808349
Date	Jun 23, 2025
Instrument	6808/349

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2023
Property Address	2973 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0064940527
Book / Page	6494 / 527
Map Reference	MB 11 PG 62
Instrument Date	Aug 28, 2023
Instrument	2023139705
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	ASSURE AMERICA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6615 BOYNTON BEACH BLVD # BLVD394, BLVD394, BOYNTON BEACH, FL 33437-3526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2737 NOTTEL DR, SAINT CLOUD, FL 34772-8787

Mortgage

Document Number	0006494529
Date	Oct 24, 2023
Instrument	6494/529

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2023
Property Address	2973 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1968
Document Number	0064490733
Book / Page	6449 / 733
Map Reference	MB 11 PG 62
Instrument Date	Jul 13, 2023
Instrument	2023098683
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ASSURE AMERICA TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 PINELAND CTB, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6615 W BOYTON BEACH BLVD #394 # 394, 394, BOYNTON BEACH, FL 33437-3526

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,203.00 (+397.99%) Homeowner's exemption	$277,700 (+211.88%) Land $55,000 Building $222,700	$277,700 (+10.51%) Land $55,000 Building $222,700
2023	$844.00 (+5.76%) Homeowner's exemption	$89,041 (+3%)	$251,300 (+21.28%) Land $50,000 Building $201,300
2022	$798.00 Homeowner's exemption	$86,448	$207,200 Land $45,000 Building $162,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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