1985 Nations Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1985 Nations Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,682 sqft · built 2014
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on File
Last Sale	$334,500 (Jul 2021)
Tax Bill	$7,547 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-26-30-0082-0001-5030`

Property Details

APN / Parcel Number

Primary APN	`09-26-30-0082-0001-5030`
Alternative APNs	`263009008200015030` `158808`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,682 sqft Living Area
Gross Area	3,173 sqft
1st Floor Area	1,163 sqft
Upper Floors Area	1,519 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	54 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1985 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 503
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK PH 3B
Legal Phase	3B
Legal Tract	82
Legal Block	5030
Legal Lot Number	503
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1035
Census Tract	43208

Owner

1985 Nations Way is owned and occupied by two individuals who bought it in July 2021.

Source: Osceola County records, as of May 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829
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 7, 2026	Deed of Trust, Mortgage · FHA Mortgage DO NO USE, CARRINGTON MORTGAGE SERVICES
Jul 1, 2021	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 11, 2018	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Sep 29, 2014 · Amount on File
Deed Document Number	2021103414
Deed Book / Page	5994 / 691
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2026
Property Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Document Number	0000060635
Book / Page	6968 / 892
Instrument Date	Apr 25, 2026
Instrument	202660635
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829

Mortgage

Document Number	0000060635,
Date	May 7, 2026
Book Page	6968/892
Instrument	202660635

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Jul 1, 2051

Interest

Rate	6.38%
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2021
Property Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Document Number	0059940691
Book / Page	5994 / 691
Map Reference	MB 20 PG 90-93
Instrument Date	Jun 22, 2021
Instrument	2021103414
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	METES AND BOUND TITLE COMPANY, METES AND BOUNDS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,341.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1197 W LAKEVIEW CIR, 1197, ALTAMONTE SPRINGS, FL 32714-2814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829

Mortgage

Document Number	5994692
Date	Jul 1, 2021
Instrument	5994/692

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	1985 NATIONS WAY, SAINT CLOUD, FL 34769-1829
Document Number	0053852301
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1985 NATIONS WAY ST CLOUD FL 347691829, ST CLOUD, FL 34769-1829

Mortgage

Document Number	0053852301
Date	Aug 16, 2018
Book Page	005385/002301
Instrument	124912

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1985 Nations Way was $7,547 with a homeowner's exemption, up 1.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$7,547.00 (+1.6%) Homeowner's exemption	$341,145	$371,700 Land $70,000 Building $301,700
2024	$7,428.00 (+3.38%)
2023	$7,185.00 (+3.2%) Homeowner's exemption	$321,875 (+3%)	$370,800 (+18.66%) Land $60,000 Building $310,800
2022	$6,962.00 Homeowner's exemption	$312,500 Land $55,000 Building $257,500	$312,500 Land $55,000 Building $257,500

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

Flood

FEMA maps place 1985 Nations Way in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 1985 Nations Way is low, with a 0.03% annual chance of 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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