5630 Breezy Palm Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5630 Breezy Palm Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$266,000 (Jun 2019)
Tax Bill	$5,030 (2025)
Deeds & Mortgages	Oct 2020 Second Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631012200011850`

Property Details

APN / Parcel Number

Primary APN	`042631012200011850`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Heated Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5630 BREEZY PALM PL
City	SAINT CLOUD
State	FL
Zip	34771-7480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTATES OF WESTERLY PB 26 PGS 193-195 LOT 185
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	ESTATES OF WESTERLY
Legal Tract	122
Legal Lot Number	185
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

5630 Breezy Palm Pl is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480
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 5, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 25, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage COLUMBUS CAP LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Deed Document Number	0055462535
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480

Mortgage

Document Number	0058052183
Date	Oct 5, 2020
Book Page	5805/2183
Instrument	2020132853

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	345 Months
Due	Jul 1, 2049

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 25, 2019
Property Address	5630 BREEZY PALM PL, SAINT CLOUD, FL 34771-7480
Document Number	0055462535
Book / Page	005546 / 002535
Instrument Date	Jun 14, 2019
Instrument	81681
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 4, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,861.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5630 BREEZY PALM PL ST CLOUD FL 347717480, ST CLOUD, FL 34771-7480

Mortgage

Document Number	55462536
Date	Jun 25, 2019
Book Page	005546/002536
Instrument	81682

Lender

Name	COLUMBUS CAP LNDG
Type	Funding / Finance Company
Address	MIAMI, FL 33176

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5630 Breezy Palm Pl was $5,030 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	$5,030.00 Homeowner's exemption	$323,900 Land $70,000 Building $253,900	$323,900 Land $70,000 Building $253,900
2023	$5,368.00 (+13.18%)	$326,400 (+20.35%) Land $65,000 Building $261,400	$326,400 (+20.35%) Land $65,000 Building $261,400
2022	$4,743.00	$271,200 Land $55,000 Building $216,200	$271,200 Land $55,000 Building $216,200

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

Flood

FEMA maps place 5630 Breezy Palm Pl 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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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 5630 Breezy Palm Pl is high, ranking above 72% of the US, with a 0.6% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.6% 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-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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