2982 Cool Breeze Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2982 Cool Breeze Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,157 sqft · built 2000
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Apr 2024)
Tax Bill	$3,595 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit May 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`81731`

Property Details

APN / Parcel Number

Primary APN	`81731`
Alternative APN	`032630059200010840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,157 sqft Heated Area
Gross Area	1,634 sqft
1st Floor Area	1,157 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
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	273 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	204 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81731
Street Address	2982 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 84
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	84
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
Co-owner	Co-owner on Record
Mailing Address	2982 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Line of Credit MOVEMENT MORTGAGE
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Feb 4, 2015 · Amount on Record
Deed Document Number	2024043076
Deed Book / Page	6577 / 187
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2982 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 JAN LAN BLVD, SAINT CLOUD, FL 34772-8857

Mortgage

Document Number	0065561762
Date	Feb 28, 2024
Book Page	6556/1762
Instrument	2024025991

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 21, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2982 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	0055290081
Date	May 23, 2019
Book Page	5529/0081
Instrument	2019066643

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2982 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2050 JAN LAN BLVD, SAINT CLOUD, FL 34772-8857

Mortgage

Document Number	0058550134
Date	Dec 18, 2020
Book Page	5855/134
Instrument	2020172811

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

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	$3,595.00 (-4.41%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$260,400 (+10.34%) Land $55,000 Building $205,400	$260,400 (+10.34%) Land $55,000 Building $205,400
2023	$3,761.00 (+13.45%)	$236,000 (+20.9%) Land $50,000 Building $186,000	$236,000 (+20.9%) Land $50,000 Building $186,000
2022	$3,315.00	$195,200 Land $45,000 Building $150,200	$195,200 Land $45,000 Building $150,200

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 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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