Osceola County property record for 3100 Ella Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,920 sqft · built 2022 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,537 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042531349200011110 |
| Primary APN | 042531349200011110 |
|---|
| 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 |
| 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 | 11,326 sqft (0.26 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3100 ELLA WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRIDGEWALK PH 1A PB 30 PGS 50-56 LOT 111 |
| Legal Subdivision | BRIDGEWALK |
| Legal Phase | 1A |
| Legal Lot Number | 111 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
Source: Osceola County records · APN 042531349200011110
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU |
| Deed Names | 4 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 10, 2026 |
| Transfer Doc | 0069201321 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 10, 2026 |
| Property Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Document Number | 0069201321 |
| Book / Page | 6920 / 1321 |
| Map Reference | MB 30 PG 50 |
| Instrument Date | Feb 05, 2026 |
| Instrument | 2026018103 |
| Transaction Type | Transfer |
| Record Updated | Mar 03, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Name | Verified Name |
|---|---|
| Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3100 ELLA WAY, SAINT CLOUD, FL 34771-8450 |
| Document Number | 0062311836 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 6231/1836 |
| Instrument | 2022091989 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 8.25% |
| Index | 1-Year CMT |
| Max Rate | 8.25% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,537.00 (+4.33%) Homeowner's exemption | $457,457 (+5.99%) | $569,400 (+4.57%) Land $90,000 Building $479,400 |
| 2023 | $9,141.00 (+101.48%) Homeowner's exemption | $431,617 (+564.03%) | $544,500 (+737.69%) Land $75,000 Building $469,500 |
| 2022 | $4,537.00 | $65,000 Land $65,000 | $65,000 Land $65,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| Wildfire Risk | High above 87% of the US · above 80% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 209 locations within half a mile · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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