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3171 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3171 Forest Breeze Way, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,027 sqft · built 1991
Lot Size0.626 acres (27,268 sqft)
Owner2 Individual Names on Record
Last Sale$255,000 (Jul 2013)
Tax Bill$3,413 (2025)
Deeds & MortgagesJun 2026 Mortgage
Jan 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN04-25-31-2512-0001-0800

Property Details

APN / Parcel Number

Primary APN04-25-31-2512-0001-0800
Alternative APNs
  • 253104251200010800
  • 89729

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,027 sqft Living Area
Gross Area3,002 sqft
1st Floor Area2,027 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area27,268 sqft (0.626 acres)
Lot Dimensions154 ft deep x 178 ft wide
Garage TypeAttached
Garage Area600 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area375 sqft
Deck Area364 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3171 FOREST BREEZE WAY
CitySAINT CLOUD
StateFL
Zip34771-7741
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionLAKE AJAY VILLAGE PB 2 PG 201-204 LOT 80
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY VLG
Legal Tract2512
Legal Block800
Legal Lot Number80
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43700

Owner

Source: Osceola County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3171 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2026Deed of Trust, Mortgage · FHA Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 24, 2019Loan Modification, Mortgage · Conventional Mortgage
DITECH FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 30, 2013 · Amount on Record
Deed SaleJul 30, 2013 · Amount on Record
Prior SaleJul 29, 2004 · Amount on Record
Deed Document Number2013119022
Deed Book / Page4479 / 2776
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 12, 2026
Property Address3171 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Document Number0000077797
Book / Page6987 / 1651
Instrument DateMay 15, 2026
Instrument202677797
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3171 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741

Mortgage

Document Number0000077797,
DateJun 12, 2026
Book Page6987/1651
Instrument202677797
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPMEN
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term271 Months
DueJan 1, 2049
Interest
Rate6.3%
Max Rate-1%

January 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3171 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7741
Document Number0054702902
Instrument DateJan 24, 2019
Transaction TypeMortgage
Record UpdatedFeb 12, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address3171 FOREST BREEZE WAY ST CLOUD FL 347717741, ST CLOUD, FL 34771-7741

Mortgage

Document Number0054702902
DateFeb 1, 2019
Book Page005470/002902
Instrument13110
Lender
NameDITECH FIN'L
AddressTEMPA, AZ 85284
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 31, 2049
Interest
Rate5%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,413.00 (+7.77%) Homeowner's exemption$235,802 (+5.99%)$400,600 (+8.98%) Land $90,000 Building $310,600
2023$3,167.00 (+4.38%) Homeowner's exemption$222,483 (+3%)$367,600 (+16.18%) Land $90,000 Building $277,600
2022$3,034.00 Homeowner's exemption$216,003$316,400 Land $80,000 Building $236,400

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskModerate
above 64% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

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

May also be available: Spectrum.

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