2770 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2770 Andes Way, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 2004
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$359,000 (Apr 2024)
Tax Bill	$5,481 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`113267`

Property Details

APN / Parcel Number

Primary APN	`113267`
Alternative APN	`112630080600010370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,652 sqft Heated Area
Gross Area	2,131 sqft
1st Floor Area	1,652 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.171 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	38 sqft
Patio Area	80 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	113267
Street Address	2770 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 37
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO
Legal Phase	2
Legal Tract	806
Legal Block	1
Legal Lot Number	37
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2770 ANDES WAY, SAINT CLOUD, FL 34769-5233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 21, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	2024041011
Deed Book / Page	6574 / 1380
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2770 ANDES WAY, SAINT CLOUD, FL 34769-5233
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5129 MARINA DR, SAINT CLOUD, FL 34771-7836

Mortgage

Document Number	0065741382
Date	Apr 2, 2024
Book Page	6574/1382
Instrument	2024041012

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	601 OFFICE CENTER DR STE 100, FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 21, 2020
Property Address	2770 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0058161646
Book / Page	5816 / 1646
Map Reference	MB 14 PG 127
Instrument Date	Oct 16, 2020
Instrument	2020142037
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8663 DANFORTH DR, 8663, WINDERMERE, FL 34786-9424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2770 ANDES WAY, SAINT CLOUD, FL 34769-5233

Mortgage

Document Number	0058161648
Date	Oct 21, 2020
Instrument	5816/1648

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

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	$5,481.00 (+88.61%)	$306,000 (+50.34%) Land $65,000 Building $241,000	$306,000 (+3.55%) Land $65,000 Building $241,000
2023	$2,906.00 (+3.71%) Homeowner's exemption	$203,538 (+3%)	$295,500 (+31.86%) Land $60,000 Building $235,500
2022	$2,802.00 Homeowner's exemption	$197,610	$224,100 Land $55,000 Building $169,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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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