2766 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2766 Andes Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,601 sqft · built 2003
Lot Size	0.174 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Apr 2021)
Tax Bill	$3,562 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0806-0001-0360`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0806-0001-0360`
Alternative APNs	`263011080600010360` `113310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,601 sqft Living Area
Gross Area	2,025 sqft
1st Floor Area	1,601 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.174 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Unfinished Porch
Porch Area	464 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2766 ANDES WAY
City	SAINT CLOUD
State	FL
Zip	34769-5233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	VILLAS DEL CASTILLO PHASE II PB 14 PG 127 LOT 36
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO PH 2
Legal Phase	2
Legal Tract	806
Legal Block	360
Legal Lot Number	36
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

2766 Andes Way is owned and occupied by an individual who bought it in April 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	2766 ANDES WAY, SAINT CLOUD, FL 34769-5233
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
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 16, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Prior Sale	Dec 15, 2016 · Amount on File
Deed Document Number	202153609
Deed Book / Page	5931 / 2308
Prior Transfer Date	Nov 23, 2016
Prior Transfer Doc	0050712133
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 9, 2021
Property Address	2766 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0059312308
Book / Page	5931 / 2308
Map Reference	MB 14 PG 127
Instrument Date	Apr 8, 2021
Instrument	2021053609
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1630 MARINA LAKE DR, 1630, KISSIMMEE, FL 34744-6460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2766 ANDES WAY, SAINT CLOUD, FL 34769-5233

Mortgage

Document Number	0059312309
Date	Apr 9, 2021
Instrument	5931/2309

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2766 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0050921190
Book / Page	005092 / 001190
Instrument Date	Jan 16, 2017
Transaction Type	Mortgage
Record Updated	Feb 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2766 ANDES WAY ST CLOUD FL 347695233, ST CLOUD, FL 34769-5233

Mortgage

Document Number	0050921190
Date	Jan 27, 2017
Book Page	005092/001190
Instrument	14894

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2766 Andes Way was $3,562 with a homeowner's exemption, up 3.5% 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	$3,562.00 (+3.52%) Homeowner's exemption	$241,912	$303,500 Land $65,000 Building $238,500
2024	$3,441.00 (+2.69%)
2023	$3,351.00 (+3.62%) Homeowner's exemption	$228,248 (+3%)	$293,100 (+32.27%) Land $60,000 Building $233,100
2022	$3,234.00 Homeowner's exemption	$221,600 Land $55,000 Building $166,600	$221,600 Land $55,000 Building $166,600

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

Flood

FEMA maps place 2766 Andes Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2766 Andes Way is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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