1984 Nations Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1984 Nations Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 2014
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$189,196 (Oct 2014)
Tax Bill	$4,842 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Feb 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`158789`

Property Details

APN / Parcel Number

Primary APN	`158789`
Alternative APN	`092630008200014840`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,760 sqft Heated Area
Gross Area	2,290 sqft
1st Floor Area	1,760 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Concrete Block
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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	130 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	158789
Street Address	1984 NATIONS WAY
City	SAINT CLOUD
State	FL
Zip	34769-1821
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 484
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	484
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43208

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
Co-owner	Verified Secondary Owner
Mailing Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Feb 27, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Jan 29, 2018	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 21, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 21, 2014 · Amount on Record
Deed Sale	Oct 21, 2014 · Amount on Record
Deed Document Number	2014155723
Deed Book / Page	4683 / 2248
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821

Mortgage

Document Number	0069021013
Date	Jan 2, 2026
Book Page	6902/1013
Instrument	2026000152

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Transaction Type	Mortgage
Record Updated	Mar 8, 2024
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821

Mortgage

Document Number	0065552706
Date	Feb 27, 2024
Book Page	6555/2706
Instrument	2024025460

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 26, 2034

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Transaction Type	Mortgage
Record Updated	Nov 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821

Mortgage

Document Number	0060731150
Date	Oct 26, 2021
Book Page	6073/1150
Instrument	2021166595

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ENTITLE INSURNACE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052761060
Date	Jan 29, 2018
Book Page	5276/1060
Instrument	2018014933

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1984 NATIONS WAY, SAINT CLOUD, FL 34769-1821

Mortgage

Document Number	0058170096
Date	Oct 21, 2020
Book Page	5817/96
Instrument	2020142434

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	DALLAS, TX 75234

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Feb 1, 2048

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	$4,842.00 (+4.85%) Homeowner's exemption	$190,035 (+5.99%)	$301,300 (+0.97%) Land $70,000 Building $231,300
2023	$4,618.00 (+3.36%) Homeowner's exemption	$179,301 (+3%)	$298,400 (+17.94%) Land $60,000 Building $238,400
2022	$4,468.00 Homeowner's exemption	$174,079	$253,000 Land $55,000 Building $198,000

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

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 USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

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