Osceola County property record for 3231 Villa Way Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,154 sqft · built 1994 |
| Lot Size | 0.035 acres (1,524 sqft) |
| Owner | Individual Name on File |
| Last Sale | $174,000 (Sep 2006) |
| Tax Bill | $484 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-26-30-0574-0001-0250 |
| Primary APN | 16-26-30-0574-0001-0250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,154 sqft Living Area |
| Gross Area | 1,226 sqft |
| 1st Floor Area | 1,154 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,524 sqft (0.035 acres) |
| Lot Dimensions | 45 ft deep x 33 ft wide |
| Porch | Florida Room |
| Porch Area | 142 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3231 VILLA WAY CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | CANOE CREEK VILLAS PB 8 PG 26 LOT 25 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK VILLAS |
| Legal Tract | 574 |
| Legal Block | 250 |
| Legal Lot Number | 25 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 43208 |
3231 Villa Way Cir is owned and occupied by an individual who bought it in September 2006.
Source: Osceola County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 10833, DAYTONA BEACH, FL 32120-0833 |
| 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.
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Mar 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2006 · Amount on File |
| Deed Sale | Sep 5, 2006 · Amount on File |
| Prior Sale | Aug 1, 2003 · Amount on File |
| Deed Document Number | 2006218993 |
| Deed Book / Page | 3265 / 1792 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2026 |
| Property Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Document Number | 0000098076 |
| Book / Page | 7010 / 815 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202698076 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | PRIMERA TITLE LLC, PRIMERA TITLE |
| Name | Verified Name |
|---|---|
| Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Document Number | 0000098076, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 7010/815 |
| Instrument | 202698076 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Jul 28, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Document Number | 0063082751 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 6308/2751 |
| Instrument | 2022160501 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Oct 31, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3231 VILLA WAY CIR, SAINT CLOUD, FL 34769-6512 |
| Document Number | 0061820120 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 6182/120 |
| Instrument | 2022049765 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 3231 Villa Way Cir was $484 with a homeowner's exemption.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $484.00 Homeowner's exemption | $56,288 | $195,100 Land $30,000 Building $165,100 |
| 2023 | $471.00 (+1.73%) Homeowner's exemption | $53,109 (+3%) | $202,300 (+23.2%) Land $14,900 Building $187,400 |
| 2022 | $463.00 Homeowner's exemption | $51,563 | $164,200 Land $14,900 Building $149,300 |
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.
FEMA maps place 3231 Villa Way Cir in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 in force |
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 risk around 3231 Villa Way Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 100 / 100 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures