3170 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3170 Forest Breeze Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,525 sqft · built 1994
Lot Size	0.846 acres (36,895 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,050 (2025)
Deeds & Mortgages	Oct 2023 Transfer Nov 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`89730`

Property Details

APN / Parcel Number

Primary APN	`89730`
Alternative APN	`042531251200010810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,525 sqft Heated Area
Gross Area	3,522 sqft
1st Floor Area	2,525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	36,895 sqft (0.846 acres)
Lot Dimensions	197 ft deep x 167 ft wide
Garage Type	Finished
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89730
Street Address	3170 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 81
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY
Legal Tract	2512
Legal Block	1
Legal Lot Number	81
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43700

Owner

3170 Forest Breeze Way is owned and occupied by two individuals who acquired it in October 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jun 9, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Apr 24, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Sep 15, 2018	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Transfer Date	Oct 12, 2023
Transfer Doc	0064882850
Record Updated	Jun 8, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2023
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0064882850
Book / Page	6488 / 2850
Map Reference	MB 2 PG 201-204
Instrument Date	Oct 12, 2023
Instrument	2023134727
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

Mortgage

Document Number	0063161724
Date	Nov 17, 2022
Book Page	6316/1724
Instrument	2022167217

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Transaction Type	Mortgage
Record Updated	Jun 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740

Mortgage

Document Number	0059770069
Date	Jun 9, 2021
Book Page	5977/69
Instrument	2021089493

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0057170660
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3170 FOREST BREEZE WAY ST CLOUD FL 347717740, ST CLOUD, FL 34771-7740

Mortgage

Document Number	0057170660
Date	May 4, 2020
Book Page	005717/000660
Instrument	59774

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0055592746
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3170 FOREST BREEZE WAY ST CLOUD FL 347717740, ST CLOUD, FL 34771-7740

Mortgage

Document Number	0055592746
Date	Jul 22, 2019
Book Page	005559/002746
Instrument	93494

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3170 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7740
Document Number	0054070495
Instrument Date	Sep 15, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3170 FOREST BREEZE WAY ST CLOUD FL 347717740, ST CLOUD, FL 34771-7740

Mortgage

Document Number	0054070495
Date	Sep 26, 2018
Book Page	005407/000495
Instrument	144634

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3170 Forest Breeze Way was $3,050 with exemptions applied.

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	$3,050.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$214,586	$485,000 Land $90,000 Building $395,000
2023	$2,888.00 (+4.56%) Homeowner's exemption	$202,466 (+3%)	$442,500 (+16.57%) Land $90,000 Building $352,500
2022	$2,762.00 Homeowner's exemption	$196,569	$379,600 Land $80,000 Building $299,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3170 Forest Breeze Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3170 Forest Breeze Way is moderate, ranking above 64% of the US, with a 0.2% annual chance of 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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