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3192 Forest Breeze Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3192 Forest Breeze Way, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,012 sqft · built 1996
Lot Size0.576 acres (25,091 sqft)
OwnerIndividual Name on File
Last Sale$556,000 (Nov 2023)
Tax Bill$6,447 (2025)
Deeds & MortgagesJun 2021 Mortgage
Nov 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN89716

Property Details

APN / Parcel Number

Primary APN89716
Alternative APN
  • 042531251200010630

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,012 sqft Heated Area
Gross Area2,948 sqft
1st Floor Area2,012 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area25,091 sqft (0.576 acres)
Lot Dimensions190 ft deep x 125 ft wide
Garage TypeFinished
Garage Area550 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area386 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number89716
Street Address3192 FOREST BREEZE WAY
CitySAINT CLOUD
StateFL
Zip34771-7742
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 63
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY
Legal Tract2512
Legal Block1
Legal Lot Number63
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43700

Owner

Source: Osceola County records · APN 89716

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
TRUSTCO BANK
Nov 20, 2023Warranty Deed, Transfer · Conventional Mortgage
PMAC LENDING SERVICES INC
Jul 17, 2023Warranty Deed, Transfer
OS NATIONAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 20, 2023 · Amount on Record
Deed SaleNov 20, 2023 · Amount on Record
Prior SaleJul 17, 2023 · Amount on Record
Deed Document Number2023152731
Deed Book / Page6507 / 2565
Record UpdatedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742
Transaction TypeMortgage
Record UpdatedJul 01, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742

Mortgage

Document Number0059791216
DateJun 11, 2021
Book Page5979/1216
Instrument2021091409
Lender
NameTRUSTCO BANK
TypeBank
AddressLONGWOOD, FL 32750
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 07, 2051

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2023
Property Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742
Document Number0065072565
Book / Page6507 / 2565
Map ReferenceMB 2 PG 201-204
Instrument DateNov 17, 2023
Instrument2023152731
Transaction TypeTransfer
Record UpdatedDec 07, 2023
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,892.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

NameVerified Name
Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742

Mortgage

Document Number0065072567
DateNov 20, 2023
Instrument6507/2567
Lender
NamePMAC LENDING SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2053

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2023
Property Address3192 FOREST BREEZE WAY, SAINT CLOUD, FL 34771-7742
Document Number0064412023
Book / Page6441 / 2023
Map ReferenceMB 2 PG 201-204
Instrument DateJul 13, 2023
Instrument2023092012
Transaction TypeTransfer
Record UpdatedJul 01, 2026
Title CompanyOS NATIONAL LLC

Transaction

AmountAmount Recorded
Tax$3,465.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address576 N MILL RD, VINELAND, NJ 08360-2635

Transferred To (Grantee/Buyer)

NameVerified Name
Address410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,447.00 (+94.66%)$413,900 (+77.76%) Land $90,000 Building $323,900$413,900 (+10.76%) Land $90,000 Building $323,900
2023$3,312.00 (+4.35%) Homeowner's exemption$232,842 (+3%)$373,700 (+16.42%) Land $90,000 Building $283,700
2022$3,174.00 Homeowner's exemption$226,061$321,000 Land $80,000 Building $241,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskHigh
above 81% of the US · above 72% of Florida
Wildfire LikelihoodAbout 1 in 169 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 96 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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