1931 Nations Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1931 Nations Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,898 sqft · built 2014
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$211,420 (Sep 2014)
Tax Bill	$5,848 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`158802`

Property Details

APN / Parcel Number

Primary APN	`158802`
Alternative APN	`092630008200014970`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,898 sqft Heated Area
Gross Area	3,557 sqft
1st Floor Area	1,163 sqft
Upper Floors Area	1,735 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	222 sqft
Patio Area	1,564 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158802
Street Address	1931 NATIONS WAY
City	SAINT CLOUD
State	FL
Zip	34769-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ANTHEM PARK PHASE 3B PB 20 PG 90-93 LOT 497
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	3B
Legal Tract	82
Legal Block	1
Legal Lot Number	497
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1035
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1931 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Jan 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNMB HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2014 · Amount on Record
Deed Sale	Sep 10, 2014 · Amount on Record
Prior Sale	Sep 10, 2014 · Amount on Record
Deed Document Number	0046632809
Deed Book / Page	4663 / 2809
Last Transfer Date	Jan 28, 2022
Transfer Doc	0061381393
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1931 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1931 NATIONS WAY, SAINT CLOUD, FL 34769-1829

Mortgage

Document Number	0062941020
Date	Oct 4, 2022
Book Page	6294/1020
Instrument	2022147341

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2022
Property Address	1931 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Document Number	0061381393
Book / Page	6138 / 1393
Map Reference	MB 20 PG 90-93
Instrument Date	Jan 10, 2022
Instrument	2022015103
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1931 NATIONS WAY, SAINT CLOUD, FL 34769-1829

Mortgage

Document Number	0061381396
Date	Jan 28, 2022
Instrument	6138/1396

Lender

Name	UNMB HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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	$5,848.00 (+4.95%) Homeowner's exemption	$246,217 (+5.99%)	$375,000 (+0.16%) Land $70,000 Building $305,000
2023	$5,572.00 (+3.28%) Homeowner's exemption	$232,309 (+3%)	$374,400 (+12.3%) Land $60,000 Building $314,400
2022	$5,395.00 Homeowner's exemption	$225,543	$333,400 Land $55,000 Building $278,400

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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	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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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