3072 Ella Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3072 Ella Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,920 sqft · built 2022
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$543,200 (Jul 2022)
Tax Bill	$10,436 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042531349200011180`

Property Details

APN / Parcel Number

Primary APN	`042531349200011180`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,920 sqft Heated Area
Gross Area	4,926 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3072 ELLA WAY
City	SAINT CLOUD
State	FL
Zip	34771-8448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 118
Legal Subdivision	BRIDGEWALK
Legal Phase	1A
Legal Lot Number	118
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	3072 ELLA WAY, SAINT CLOUD, FL 34771-8448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL FCU
Jul 13, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WINGS FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2022 · Amount on Record
Deed Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	2022108106
Deed Book / Page	6250 / 1636
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3072 ELLA WAY, SAINT CLOUD, FL 34771-8448
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3072 ELLA WAY, SAINT CLOUD, FL 34771-8448

Mortgage

Document Number	0063422316
Date	Jan 10, 2023
Book Page	6342/2316
Instrument	2023003719

Lender

Name	WINGS FINANCIAL FCU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 9, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2022
Property Address	3072 ELLA WAY, SAINT CLOUD, FL 34771-8448
Document Number	0062501636
Book / Page	6250 / 1636
Map Reference	MB 30 PG 50
Instrument Date	Jun 17, 2022
Instrument	2022108106
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,802.40
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	3072 ELLA WAY, SAINT CLOUD, FL 34771-8448

Mortgage

Document Number	0062501640
Date	Jul 13, 2022
Instrument	6250/1640

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

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	$10,436.00 (+4.4%) Homeowner's exemption	$522,329 (+5.99%)	$569,400 (+4.57%) Land $90,000 Building $479,400
2023	$9,996.00 (+132.03%) Homeowner's exemption	$492,825 (+658.19%)	$544,500 (+737.69%) Land $75,000 Building $469,500
2022	$4,308.00	$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 AE, 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 87% of the US · above 80% 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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