2733 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2733 Andes Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,952 sqft · built 1993
Lot Size	0.239 acres (10,410 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,000 (Nov 2018)
Tax Bill	$4 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0805-0001-0160`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0805-0001-0160`
Alternative APNs	`263011080500010160` `83983`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,952 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,402 sqft
Upper Floors Area	550 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,410 sqft (0.239 acres)
Lot Dimensions	149 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2733 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 16
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO
Legal Tract	805
Legal Block	160
Legal Lot Number	16
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 November 26, 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	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Nov 5, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 8, 2018	Grant Deed, Transfer
Sep 25, 2017	Deed in Lieu of Foreclosure, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	2018164642
Deed Book / Page	5429 / 741
Prior Transfer Date	Feb 23, 2006
Prior Transfer Doc	0031040748
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217

Mortgage

Document Number	0058212977
Date	Oct 29, 2020
Book Page	5821/2977
Instrument	2020146673

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 5, 2018
Property Address	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217
Document Number	0054290741
Book / Page	005429 / 000741
Instrument Date	Oct 31, 2018
Instrument	164642
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,806.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2733 ANDES WAY ST CLOUD FL 347695217, ST CLOUD, FL 34769-5217

Mortgage

Document Number	54290743
Date	Nov 5, 2018
Book Page	005429/000743
Instrument	164643

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 8, 2018
Property Address	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217
Document Number	0052821571
Book / Page	005282 / 001571
Instrument Date	Jan 19, 2018
Instrument	21478
Transaction Type	Transfer
Record Updated	Feb 27, 2018

Transaction

Amount	Amount Recorded
Tax	$1,130.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4440 JIM BRANCH RD KISSIMMEE FL 347449202, KISSIMMEE, FL 34744-9202

September 2017: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2017
Property Address	2733 ANDES WAY, SAINT CLOUD, FL 34769-5217
Document Number	0052112509
Book / Page	005211 / 002509
Instrument Date	Sep 1, 2017
Instrument	134903
Transaction Type	Transfer
Record Updated	Oct 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1600 S DOUGLASS RD #200-A ANAHEIM CA 928065948, 200-A, ANAHEIM, CA 92806-5948

Tax Assessment & Valuation

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	$4.00 Homeowner's exemption Veteran's exemption	$245,297 (+5.99%)	$308,200 (+3.49%) Land $65,000 Building $243,200
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$231,441 (+3%)	$297,800 (+32.53%) Land $60,000 Building $237,800
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$224,700 Land $55,000 Building $169,700	$224,700 Land $55,000 Building $169,700

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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