3165 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3165 Forest Breeze Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,164 sqft · built 1990
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Feb 2014)
Tax Bill	$5,382 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`89731`

Property Details

APN / Parcel Number

Primary APN	`89731`
Alternative APN	`042531251200010850`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,164 sqft Heated Area
Gross Area	4,686 sqft
1st Floor Area	3,164 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Finished
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	748 sqft
Porch	Open Porch
Porch Area	802 sqft
Deck Area	827 sqft
Gazebo	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89731
Street Address	3165 FOREST BREEZE WAY
City	SAINT CLOUD
State	FL
Zip	34771-7741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE AJAY VILLAGE PB 2 PG 201-204 LOT 85
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY
Legal Tract	2512
Legal Block	1
Legal Lot Number	85
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3165 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 23, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2014 · Amount on Record
Deed Sale	Feb 4, 2014 · Amount on Record
Deed Document Number	2014015936
Deed Book / Page	4565 / 1513
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3165 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741

Mortgage

Document Number	0062052667
Date	May 2, 2022
Book Page	6205/2667
Instrument	2022069750

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3165 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Document Number	0056131843
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 FOREST BREEZE WAY ST CLOUD FL 347717741, ST CLOUD, FL 34771-7741

Mortgage

Document Number	0056131843
Date	Oct 29, 2019
Book Page	005613/001843
Instrument	139785

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2034

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	$5,382.00 (+6.79%) Homeowner's exemption	$377,910 (+5.99%)	$601,500 (+9.92%) Land $90,000 Building $511,500
2023	$5,040.00 (+3.85%) Homeowner's exemption	$356,564 (+3%)	$547,200 (+15.88%) Land $90,000 Building $457,200
2022	$4,853.00 Homeowner's exemption	$346,179	$472,200 Land $80,000 Building $392,200

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 100 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 64% of the US · lower than 60% 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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