3009 Howley Aly, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3009 Howley Aly, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,233 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$397,700 (May 2023)
Tax Bill	$8,197 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042531349200010340`

Property Details

APN / Parcel Number

Primary APN	`042531349200010340`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,233 sqft Heated Area
Gross Area	2,457 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Porch	Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3009 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 34
Legal Subdivision	BRIDGEWALK
Legal Phase	1A
Legal Lot Number	34
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43700

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	811 VILLAGE BLVD, ABINGDON, VA 24210-4733
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Deed Document Number	2023063580
Deed Book / Page	6409 / 883
Record Updated	Jun 8, 2026

May 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2023
Property Address	3009 HOWLEY ALY, SAINT CLOUD, FL 34771-8451
Document Number	0064090883
Book / Page	6409 / 883
Map Reference	MB 30 PG 50
Instrument Date	May 9, 2023
Instrument	2023063580
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 5, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,783.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD # 5, 5, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 VILLAGE BLVD, ABINGDON, VA 24210-4733

Mortgage

Document Number	0006409887
Date	May 18, 2023
Instrument	6409/887

Lender

Name	CLEAREDGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Jun 1, 2028
Change Frequency	6 Months
Min Rate At Change	5.37%
Max Rate At Change	9.37%
Index	Other
Margin	4
Max Rate	12.3%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,197.00 (+123.11%)	$393,300 (+424.4%) Land $90,000 Building $303,300	$393,300 (+424.4%) Land $90,000 Building $303,300
2023	$3,674.00 (+24.84%)	$75,000 (+15.38%) Land $75,000	$75,000 (+15.38%) Land $75,000
2022	$2,943.00	$65,000 Land $65,000	$65,000 Land $65,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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	High above 86% of the US · above 78% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Xfinity.

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