2978 Cool Breeze Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2978 Cool Breeze Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,149 sqft · built 2001
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$331,500 (Sep 2023)
Tax Bill	$4,145 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`81729`

Property Details

APN / Parcel Number

Primary APN	`81729`
Alternative APN	`032630059200010820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,149 sqft Heated Area
Gross Area	1,730 sqft
1st Floor Area	1,149 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	161 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81729
Street Address	2978 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 82
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	82
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 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	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 22, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Feb 14, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	Feb 14, 2020 · Amount on Record
Deed Document Number	2023124917
Deed Book / Page	6478 / 643
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number	0065802601
Date	Apr 11, 2024
Book Page	6580/2601
Instrument	2024046558

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	635 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2053

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2023
Property Address	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Document Number	0064780643
Book / Page	6478 / 643
Map Reference	MB 11 PG 62
Instrument Date	Sep 20, 2023
Instrument	2023124917
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,320.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13139 S LAKE MARY JANE RD, ORLANDO, FL 32832-6418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number	0006478647
Date	Sep 22, 2023
Instrument	6478/647

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2020
Property Address	2978 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Document Number	0056742725
Book / Page	005674 / 002725
Instrument Date	Feb 14, 2020
Instrument	22944
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$1,449.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10291 PARK COMMONS DR ORLANDO FL 328327040, ORLANDO, FL 32832-7040

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	$4,145.00 (+5.23%) Homeowner's exemption	$274,500 (+10.51%) Land $55,000 Building $219,500	$274,500 (+10.51%) Land $55,000 Building $219,500
2023	$3,939.00 (+13.52%)	$248,400 (+20.99%) Land $50,000 Building $198,400	$248,400 (+20.99%) Land $50,000 Building $198,400
2022	$3,470.00	$205,300 Land $45,000 Building $160,300	$205,300 Land $45,000 Building $160,300

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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