3155 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3155 Forest Breeze Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,523 sqft · built 1996
Lot Size	0.555 acres (24,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Nov 2018)
Tax Bill	$4,200 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`89743`

Property Details

APN / Parcel Number

Primary APN	`89743`
Alternative APN	`042531251200010940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,523 sqft Heated Area
Gross Area	3,592 sqft
1st Floor Area	2,523 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,176 sqft (0.555 acres)
Lot Dimensions	177 ft deep x 130 ft wide
Garage Type	Finished
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	38 sqft
Porch	Open Porch
Porch Area	333 sqft
Deck Area	464 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89743
Street Address	3155 FOREST BREEZE WAY
City	SAINT CLOUD
State	FL
Zip	34771-7741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE AJAY VILLAGE LOT 94 PB 2 PG 201-204
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY
Legal Tract	2512
Legal Block	1
Legal Lot Number	94
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
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	2 Individual Names on Record
Mailing Address	3155 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Warranty Deed, Transfer MORTGAGE FIRM
Mar 9, 2017	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Mar 9, 2017 · Amount on Record
Deed Document Number	2018169659
Deed Book / Page	5434 / 2217
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2018
Property Address	3155 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Document Number	0054342217
Book / Page	005434 / 002217
Instrument Date	Nov 13, 2018
Instrument	169659
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3155 FOREST BREEZE WAY ST CLOUD FL 347717741, ST CLOUD, FL 34771-7741

Mortgage

Document Number	54342219
Date	Nov 16, 2018
Book Page	005434/002219
Instrument	169660

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 9, 2017
Property Address	3155 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Document Number	0051141698
Book / Page	5114 / 1698
Map Reference	MB2 PG201-204
Instrument Date	Feb 28, 2017
Instrument	2017037528
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TITLE-TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1417 STARBOARD DR, 1417, SAINT CLOUD, FL 34771-7424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741

Mortgage

Document Number	0051141699
Date	Mar 9, 2017
Instrument	5114/1699

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$4,200.00 (+7.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,584 (+5.99%)	$519,400 (+9.65%) Land $90,000 Building $429,400
2023	$3,912.00 (+4.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,775 (+3%)	$473,700 (+15.9%) Land $90,000 Building $383,700
2022	$3,755.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$272,598	$408,700 Land $80,000 Building $328,700

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 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	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.2% 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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