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6112 Waterfield Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6112 Waterfield Way, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,990 sqft · built 2004
Lot Size0.517 acres (22,520 sqft)
Owner2 Individual Names on File
Last Sale$196,900 (Apr 2004)
Tax Bill$2,596 (2025)
Deeds & MortgagesJan 2017 Mortgage
Sep 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN02-26-31-3785-0001-0330

Property Details

APN / Parcel Number

Primary APN02-26-31-3785-0001-0330
Alternative APNs
  • 263102378500010330
  • 113055

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,990 sqft Living Area
Gross Area3,422 sqft
1st Floor Area1,342 sqft
Upper Floors Area1,648 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,520 sqft (0.517 acres)
Lot Dimensions225 ft deep x 100 ft wide
Garage TypeAttached
Garage Area418 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area14 sqft
Patio Area300 sqft
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address6112 WATERFIELD WAY
CitySAINT CLOUD
StateFL
Zip34771-8845
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE LIZZIE RESERVE PB 14 PGS 55-56 LOT 33
Legal Range31E
Legal Township26S
Legal Section02
Legal SubdivisionLAKE LIZZIE RESERVE
Legal Tract3785
Legal Block330
Legal Lot Number33
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2013
Census Tract43700

Owner

Source: Osceola County records · APN 02-26-31-3785-0001-0330

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address6112 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2017Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
Sep 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK NA
May 15, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 01, 2004 · Amount on Record
Deed SaleApr 01, 2004 · Amount on Record
Deed Document Number200463293
Deed Book / Page2476 / 2385
Last Transfer DateMay 14, 2020
Transfer Doc0057231007
Record UpdatedJun 08, 2026

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6112 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050911059
DateJan 25, 2017
Book Page5091/1059
Instrument2017013895
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueFeb 01, 2037

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address6112 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address6112 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845

Mortgage

Document Number0058010741
DateSep 29, 2020
Book Page5801/741
Instrument2020129643
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueOct 01, 2030

May 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 15, 2020
Property Address6112 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
Document Number0057231007
Book / Page005723 / 001007
Instrument DateMay 14, 2020
Instrument64865
Transaction TypeTransfer
Record UpdatedJul 20, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address1380 RASCAL ST SE PALM BAY FL 329095559, PALM BAY, FL 32909-5559

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,596.00 (+6.13%) Homeowner's exemption$176,827 (+5.99%)$417,900 (+1.9%) Land $70,000 Building $347,900
2024$2,446.00 (+2.34%)
2023$2,390.00 (+6.94%) Homeowner's exemption$166,839 (+5.01%)$410,100 (+49.24%) Land $70,000 Building $340,100
2022$2,235.00 Homeowner's exemption$158,873$274,800 Land $55,000 Building $219,800

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 120970437002, 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 500 ft
Flood Insurance CostPremium on Record
median of 79 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies79 in force
70 of 79 on primary residences
Nearby Flood Claims5 (1994–2017)
Claims Outside the SFHA1 of 5
Most Recent ClaimSep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 63% of the US · above 38% of Florida
Wildfire LikelihoodAbout 1 in 403 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.

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