2729 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2729 Andes Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,387 sqft · built 2017
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,900 (Sep 2017)
Tax Bill	$2,569 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`83984`

Property Details

APN / Parcel Number

Primary APN	`83984`
Alternative APN	`112630080500010170`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,387 sqft Heated Area
Gross Area	2,167 sqft
1st Floor Area	1,387 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	114 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	83984
Street Address	2729 ANDES WAY
City	SAINT CLOUD
State	FL
Zip	34769-5217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	VILLAS DEL CASTILLO PB 5 PG 182 LOT 17
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO
Legal Tract	805
Legal Block	1
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
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	2 Individual Names on Record
Mailing Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Aug 20, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jun 17, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 7, 2017	Warranty Deed, Transfer · VA Mortgage USAA
Mar 1, 2017	Warranty Deed, Transfer BLUE WATER CLEAR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2017 · Amount on Record
Deed Sale	Sep 7, 2017 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2017128903
Deed Book / Page	5206 / 0433
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060100377
Date	Jul 27, 2021
Book Page	6010/377
Instrument	2021115729

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053872389
Date	Aug 20, 2018
Book Page	5387/2389
Instrument	2018126646

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055421077
Date	Jun 17, 2019
Book Page	5542/1077
Instrument	2019077859

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 7, 2017
Property Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Document Number	0052060433
Book / Page	005206 / 000433
Instrument Date	Sep 1, 2017
Instrument	128903
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	SMART INT'L TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,469.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2729 ANDES WAY ST CLOUD FL 347695217, ST CLOUD, FL 34769-5217

Mortgage

Document Number	52060435
Date	Sep 7, 2017
Book Page	005206/000435
Instrument	128904

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 1, 2017
Property Address	2729 ANDES WAY, SAINT CLOUD, FL 34769-5217
Document Number	0051091753
Book / Page	005109 / 001753
Instrument Date	Feb 28, 2017
Instrument	32525
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	BLUE WATER CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$181.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1627 E VINE ST #E KISSIMMEE FL 347443719, E, KISSIMMEE, FL 34744-3719

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	$2,569.00 (+6.69%) Homeowner's exemption	$186,409 (+5.99%)	$303,000 (+3.63%) Land $65,000 Building $238,000
2023	$2,408.00 (+3.88%) Homeowner's exemption	$175,880 (+3%)	$292,400 (+31.77%) Land $60,000 Building $232,400
2022	$2,318.00 Homeowner's exemption	$170,758	$221,900 Land $55,000 Building $166,900

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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