3279 Villa Way Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3279 Villa Way Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,038 sqft · built 1997
Lot Size	0.032 acres (1,437 sqft)
Owner	Owner Name on File
Last Sale	$115,500 (Dec 2014)
Tax Bill	$955 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85304`

Property Details

APN / Parcel Number

Primary APN	`85304`
Alternative APN	`162630057400010010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,038 sqft Heated Area
Gross Area	1,304 sqft
1st Floor Area	1,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,437 sqft (0.032 acres)
Lot Dimensions	45 ft deep x 32 ft wide
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85304
Street Address	3279 VILLA WAY CIR
City	SAINT CLOUD
State	FL
Zip	34769-6515
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	CANOE CREEK VILLAS PB 8 PG 26 LOT 1
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK VILLAS
Legal Tract	574
Legal Block	1
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3020
Census Tract	43208

Owner

The current owner of 3279 Villa Way Cir bought it in December 2014.

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

Owner of Record	Owner Name on File
Mailing Address	3279 VILLA WAY CIR, SAINT CLOUD, FL 34769-6515
Occupancy	Owner Occupied

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
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jun 1, 2018	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2014 · Amount on File
Deed Sale	Dec 8, 2014 · Amount on File
Prior Sale	Sep 17, 2007 · Amount on File
Deed Document Number	2014177961
Deed Book / Page	4704 / 2155
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3279 VILLA WAY CIR, SAINT CLOUD, FL 34769-6515
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3279 VILLA WAY CIR, SAINT CLOUD, FL 34769-6515

Mortgage

Document Number	0065861559
Date	Apr 22, 2024
Book Page	6586/1559
Instrument	2024051409

Lender

Name	TRUIST BANK
Type	Bank
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 28, 2054

Interest

Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3279 VILLA WAY CIR, SAINT CLOUD, FL 34769-6515
Document Number	0053461441
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3279 VILLA WAY CIR ST CLOUD FL 347696515, ST CLOUD, FL 34769-6515

Mortgage

Document Number	0053461441
Date	Jun 7, 2018
Book Page	005346/001441
Instrument	88363

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Jun 6, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 3279 Villa Way Cir was $955 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$955.00 Homeowner's exemption	$96,263	$189,500 Land $30,000 Building $159,500
2023	$876.00 (+5.54%) Homeowner's exemption	$90,827 (+3%)	$195,700 (+23.16%) Land $14,900 Building $180,800
2022	$830.00 Homeowner's exemption	$88,182	$158,900 Land $14,900 Building $144,000

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

Flood

FEMA maps place 3279 Villa Way Cir in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft
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

Wildfire risk around 3279 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 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Xfinity.

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