3025 Ella Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3025 Ella Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,996 sqft · built 2023
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$304,200 (Jan 2023)
Tax Bill	$6,645 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-3492-0001-1370`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-3492-0001-1370`
Alternative APN	`253104349200011370`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,996 sqft Living Area
Gross Area	2,525 sqft
1st Floor Area	1,066 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	109 sqft
Patio Area	326 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3025 ELLA WAY
City	SAINT CLOUD
State	FL
Zip	34771-8449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 137
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	BRIDGEWALK TOWNHOMES
Legal Phase	1A
Legal Lot Number	137
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43700

Owner

3025 Ella Way is owned and occupied by an individual who bought it in January 2023.

Source: Osceola County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 31, 2023	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC
May 3, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023 · Amount on File
Deed Sale	Jan 31, 2023 · Amount on File
Prior Sale	May 3, 2022 · Amount on File
Deed Document Number	202311762
Deed Book / Page	6351 / 543
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 23, 2026
Property Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449
Document Number	0000096350
Book / Page	7008 / 1309
Instrument Date	Jul 17, 2026
Instrument	202696350
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	AMZ TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449

Mortgage

Document Number	0000096351,
Date	Jul 23, 2026
Book Page	7008/1311
Instrument	202696351

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

January 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2023
Property Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449
Document Number	0063510543
Book / Page	6351 / 543
Map Reference	MB 30 PG 50
Instrument Date	Jan 30, 2023
Instrument	2023011762
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,129.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449

Mortgage

Document Number	0006351547
Date	Jan 31, 2023
Instrument	6351/547

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2022
Property Address	3025 ELLA WAY, SAINT CLOUD, FL 34771-8449
Document Number	0062062847
Book / Page	6206 / 2847
Map Reference	MB 13 PG 124-126
Instrument Date	Apr 27, 2022
Instrument	2022070659
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,821.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	64 WOULD DR, HARTFORD, CT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3025 ELBIB DR, SAINT CLOUD, FL 34772-8591

Mortgage

Document Number	0062062849
Date	May 3, 2022
Instrument	6206/2849

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3025 Ella Way was $6,645, up 4.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$6,645.00 (+4.35%)	$336,400 Land $45,000 Building $291,400	$336,400 Land $45,000 Building $291,400
2024	$6,368.00 (+173.89%)
2023	$2,325.00 (+50.19%)	$45,000 (+127.27%) Land $45,000	$45,000 (+127.27%) Land $45,000
2022	$1,548.00	$19,800 Land $19,800	$19,800 Land $19,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3025 Ella Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3025 Ella Way is high, ranking above 86% of the US, with a 0.9% annual chance of 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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