3156 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3156 Forest Breeze Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,114 sqft · built 1991
Lot Size	0.552 acres (24,045 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Mar 2020)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2512-0001-0950`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2512-0001-0950`
Alternative APNs	`253104251200010950` `89744`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,114 sqft Living Area
Gross Area	3,809 sqft
1st Floor Area	3,114 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,045 sqft (0.552 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3156 FOREST BREEZE WAY
City	SAINT CLOUD
State	FL
Zip	34771-7740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE AJAY VILLAGE PB 2 PG 201-204 LOT 95
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG
Legal Tract	2512
Legal Block	950
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43700

Owner

Source: Osceola County records, as of November 26, 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
Mailing Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Mar 13, 2020	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Jan 22, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC
May 24, 2017	Warranty Deed, Transfer GOLD STAR TITLE AND ESCROW INC, GOLD STAR TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Prior Sale	May 24, 2017 · Amount on Record
Deed Document Number	202036891
Deed Book / Page	5691 / 2607
Prior Transfer Date	Jan 17, 2018
Prior Transfer Doc	0052730163
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

Mortgage

Document Number	0061571833
Date	Feb 24, 2022
Book Page	6157/1833
Instrument	2022030412

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058351613
Date	Nov 18, 2020
Book Page	5835/1613
Instrument	2020158102

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2020
Property Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0056912607
Book / Page	005691 / 002607
Instrument Date	Feb 19, 2020
Instrument	36891
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,255.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 FOREST BREEZE WAY ST CLOUD FL 347717740, ST CLOUD, FL 34771-7740

Mortgage

Document Number	56912610
Date	Mar 13, 2020
Book Page	005691/002610
Instrument	36894

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2018
Property Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0052730163
Book / Page	5273 / 0163
Map Reference	MB2 PG201-204
Instrument Date	Jan 17, 2018
Instrument	2018011477
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

Mortgage

Document Number	2018011478
Date	Jan 22, 2018
Instrument	2018011478

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2017
Property Address	3156 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0051531829
Book / Page	005153 / 001829
Instrument Date	May 18, 2017
Instrument	76572
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	GOLD STAR TITLE AND ESCROW INC, GOLD STAR TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$2,415.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8842 ELLIOTTS CT ORLANDO FL 328365027, ORLANDO, FL 32836-5027

Tax Assessment & Valuation

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	$6,052.00 (+4.49%) Homeowner's exemption	$426,265 (+5.99%)	$584,900 (+10.09%) Land $90,000 Building $494,900
2024	$5,792.00 (+2.03%)
2023	$5,677.00 (+3.75%) Homeowner's exemption	$402,187 (+3%)	$531,300 (+16.87%) Land $90,000 Building $441,300
2022	$5,472.00 Homeowner's exemption	$390,473	$454,600 Land $80,000 Building $374,600

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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, CenturyLink, Spectrum, Verizon.

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