Osceola County property record for 1994 Nations Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,508 sqft · built 2014 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | Individual Name on File |
| Last Sale | $430,000 (Jul 2023) |
| Tax Bill | $2,212 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0082-0001-4820 |
| Primary APN | 09-26-30-0082-0001-4820 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,508 sqft Living Area |
| Gross Area | 3,020 sqft |
| 1st Floor Area | 1,034 sqft |
| Upper Floors Area | 1,474 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,793 sqft (0.133 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 32 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1994 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 482 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK PH 3B |
| Legal Phase | 3B |
| Legal Tract | 82 |
| Legal Block | 4820 |
| Legal Lot Number | 482 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43208 |
Source: Osceola County records · APN 09-26-30-0082-0001-4820
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Sep 17, 2025 | Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC |
| Jul 07, 2023 | Warranty Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC |
| Dec 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 07, 2023 · Amount on Record |
| Deed Sale | Jul 07, 2023 · Amount on Record |
| Prior Sale | Dec 30, 2020 · Amount on Record |
| Deed Document Number | 202387778 |
| Deed Book / Page | 6437 / 857 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Document Number | 0068502640 |
|---|---|
| Date | Sep 17, 2025 |
| Book Page | 6850/2640 |
| Instrument | 2025115680 |
| Name | SWIFT HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, MI 48009 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 07, 2023 |
| Property Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Document Number | 0064370857 |
| Book / Page | 6437 / 857 |
| Map Reference | MB 20 PG 90 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023087778 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1720 LEATHERBACK LN, SAINT CLOUD, FL 34771-7550 |
| Name | Verified Name |
|---|---|
| Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Document Number | 0006437859 |
|---|---|
| Date | Jul 07, 2023 |
| Instrument | 6437/859 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 30, 2020 |
| Property Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Document Number | 0058611765 |
| Book / Page | 5861 / 1765 |
| Map Reference | MB 20 PG 90 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 2020177177 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3898 CABO ROJO DR, 3898, SAINT CLOUD, FL 34772-8372 |
| Name | Verified Name |
|---|---|
| Address | 1994 NATIONS WAY, SAINT CLOUD, FL 34769-1821 |
| Document Number | 0058611767 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 5861/1767 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,212.00 (-2.56%) | $348,800 (+0.46%) Land $70,000 Building $278,800 | $348,800 (+0.46%) Land $70,000 Building $278,800 |
| 2024 | $2,270.00 (-69.91%) | ||
| 2023 | $7,545.00 (+9.7%) | $347,200 (+18.34%) Land $60,000 Building $287,200 | $347,200 (+18.34%) Land $60,000 Building $287,200 |
| 2022 | $6,878.00 | $293,400 Land $55,000 Building $238,400 | $293,400 Land $55,000 Building $238,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 469 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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