6152 Waterfield Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6152 Waterfield Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,216 sqft · built 2004
Lot Size	0.516 acres (22,477 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2020)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`112842`

Property Details

APN / Parcel Number

Primary APN	`112842`
Alternative APN	`022631378500010140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,216 sqft Heated Area
Gross Area	2,637 sqft
1st Floor Area	2,216 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,477 sqft (0.516 acres)
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	21 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	112842
Street Address	6152 WATERFIELD WAY
City	SAINT CLOUD
State	FL
Zip	34771-8845
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE LIZZIE RESERVE PB 14 PGS 55-56 LOT 14
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	LAKE LIZZIE RESERVE
Legal Tract	3785
Legal Block	1
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43700

Owner

6152 Waterfield Way is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	6152 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
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
May 25, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 4, 2020	Warranty Deed, Transfer · FHA Mortgage PANORAMA MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Prior Sale	Nov 9, 2016
Deed Document Number	2020071911
Deed Book / Page	5732 / 434
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6152 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6152 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845

Mortgage

Document Number	0064132452
Date	May 25, 2023
Book Page	6413/2452
Instrument	2023067414

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2020
Property Address	6152 WATERFIELD WAY, SAINT CLOUD, FL 34771-8845
Document Number	0057320434
Book / Page	5732 / 434
Map Reference	MB 14 PG 55&56
Instrument Date	May 29, 2020
Instrument	2020071911
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3803 GAINES DR, 3803, WINTER HAVEN, FL 33884-2809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6152 WATERLIELD WAY, SAINT CLOUD, FL 34771-8845

Mortgage

Document Number	0005732436
Date	Jun 4, 2020
Instrument	5732/436

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 6152 Waterfield Way was $3,520 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,520.00 Homeowner's exemption	$243,546	$350,800 Land $70,000 Building $280,800
2023	$3,270.00 (+4.37%) Homeowner's exemption	$229,790 (+3%)	$343,800 (+46.86%) Land $70,000 Building $273,800
2022	$3,133.00 Homeowner's exemption	$223,098	$234,100 Land $55,000 Building $179,100

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

Flood

FEMA maps place 6152 Waterfield Way in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 79 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	79 in force
Nearby Flood Claims	5 (1994–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Sep 2017 · Hurricane Irma

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 6152 Waterfield Way is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

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