1670 Justin Matthew Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1670 Justin Matthew Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,192 sqft · built 2020
Lot Size	0.712 acres (31,015 sqft)
Owner	Individual Name on File
Last Sale	$42,000 (Nov 2018)
Tax Bill	$4,186 (2025)
Deeds & Mortgages	Feb 2019 Construction Loan Mar 2020 Loan Modification + 2 more
Flood Zone	Zone AE (high risk)
APN	`95174`

Property Details

APN / Parcel Number

Primary APN	`95174`
Alternative APN	`022631359900010040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,192 sqft Heated Area
Gross Area	3,124 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,015 sqft (0.712 acres)
Lot Dimensions	220 ft deep x 141 ft wide
Garage Type	Finished

Exterior Amenities

Porch	Open Porch
Patio Area	210 sqft
Boat Access	Boat Access
Boat House	496 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	95174
Street Address	1670 JUSTIN MATTHEW WAY
City	SAINT CLOUD
State	FL
Zip	34771-8622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	KAYLY COURT PB 6 PG 146 LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	KAYLY COURT
Legal Tract	3599
Legal Block	1
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Mar 16, 2020	Loan Modification, Mortgage CENTENNIAL BK
Nov 14, 2018	Warranty Deed, Subdivision Related Transfer STEWART TITLE
Sep 29, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2018 · Amount on Record
Deed Sale	Nov 14, 2018 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2018168649
Deed Book / Page	5433 / 1728
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1670 JUSTIN MATTHEW WAY, SAINT CLOUD, FL 34771-8622
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054750251
Date	Feb 11, 2019
Book Page	5475/0251
Instrument	2019017390

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.87%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1670 JUSTIN MATTHEW WAY, SAINT CLOUD, FL 34771-8622
Document Number	0057001904
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1670 JUSTIN MATTHEW WAY ST CLOUD FL 347718622, ST CLOUD, FL 34771-8622

Mortgage

Document Number	0057001904
Date	Mar 30, 2020
Book Page	005700/001904
Instrument	44402

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2018
Property Address	1670 JUSTIN MATTHEW WAY, SAINT CLOUD, FL 34771-8622
Document Number	0054331728
Book / Page	005433 / 001728
Instrument Date	Oct 30, 2018
Instrument	168649
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 6, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$294.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2017
Property Address	1670 JUSTIN MATTHEW WAY, SAINT CLOUD, FL 34771-8622
Document Number	0052151538
Book / Page	005215 / 001538
Instrument Date	Sep 29, 2017
Instrument	138799
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

Tax Assessment & Valuation

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	$4,186.00 (+7.28%) Homeowner's exemption	$291,559 (+5.99%)	$367,000 (+1.86%) Land $65,000 Building $302,000
2023	$3,902.00 (+4.11%) Homeowner's exemption	$275,091 (+3%)	$360,300 (+15.3%) Land $65,000 Building $295,300
2022	$3,748.00 Homeowner's exemption	$267,079	$312,500 Land $60,000 Building $252,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

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