2708 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2708 Andes Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,762 sqft · built 2003
Lot Size	0.198 acres (8,668 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Apr 2018)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`84000`

Property Details

APN / Parcel Number

Primary APN	`84000`
Alternative APN	`112630080500010330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,762 sqft Heated Area
Gross Area	2,272 sqft
1st Floor Area	1,762 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,668 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 78 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84000
Street Address	2708 ANDES WAY
City	SAINT CLOUD
State	FL
Zip	34769-5229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	VILLAS DEL CASTILLO PB 5 PG 182 LOT 33
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO
Legal Tract	805
Legal Block	1
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43303

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	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Apr 20, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Prior Sale	Jun 5, 2003 · Amount on Record
Deed Document Number	2018062822
Deed Book / Page	5320 / 1806
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229

Mortgage

Document Number	0061130198
Date	Dec 21, 2021
Book Page	6113/198
Instrument	2021196996

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056071346
Date	Oct 17, 2019
Book Page	5607/1346
Instrument	2019134340

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2018
Property Address	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229
Document Number	0053201806
Book / Page	5320 / 1806
Map Reference	MB5 PG182
Instrument Date	Apr 17, 2018
Instrument	2018062822
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	WATSON TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 ANDES WAY, SAINT CLOUD, FL 34769-5229

Mortgage

Document Number	2018062823
Date	Apr 20, 2018
Instrument	2018062823

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	$3,055.00 (+6.45%) Homeowner's exemption	$213,560 (+5.99%)	$320,400 (+3.62%) Land $65,000 Building $255,400
2023	$2,870.00 (+3.76%) Homeowner's exemption	$201,498 (+3%)	$309,200 (+32.99%) Land $60,000 Building $249,200
2022	$2,766.00 Homeowner's exemption	$195,630	$232,500 Land $55,000 Building $177,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon.

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