Osceola County property record for 2778 Andes Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,652 sqft · built 2004 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,900 (May 2011) |
| Tax Bill | $1,106 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-26-30-0806-0001-0390 |
| Primary APN | 11-26-30-0806-0001-0390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,131 sqft |
| 1st Floor Area | 1,652 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 38 sqft |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2778 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 39 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | VILLAS DEL CASTILLO PH 2 |
| Legal Phase | 2 |
| Legal Tract | 806 |
| Legal Block | 390 |
| Legal Lot Number | 39 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
2778 Andes Way is owned and occupied by an individual who bought it in May 2011.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2778 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2011 · Amount on File |
| Deed Sale | May 23, 2011 · Amount on File |
| Prior Sale | Nov 7, 2008 |
| Deed Document Number | 201169352 |
| Deed Book / Page | 4131 / 2545 |
| Prior Transfer Date | Mar 23, 2006 |
| Prior Transfer Doc | 0031370211 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2778 Andes Way was $1,106 with exemptions applied, up 4.5% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,106.00 (+4.54%) Homeowner's exemption Widower's exemption | $109,691 | $298,100 Land $65,000 Building $233,100 |
| 2024 | $1,058.00 (+4.34%) | ||
| 2023 | $1,014.00 (-2.69%) Homeowner's exemption Widower's exemption | $103,496 (+3%) | $287,400 (+32.02%) Land $60,000 Building $227,400 |
| 2022 | $1,042.00 Homeowner's exemption Widower's exemption | $100,482 | $217,700 Land $55,000 Building $162,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2778 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 risk around 2778 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.
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 |
| 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.
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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