2782 Andes Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2782 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	0.198 acres (8,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Oct 2026)
Tax Bill	$3,973 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0806-0001-0400`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0806-0001-0400`
Alternative APNs	`263011080600010400` `113486`

Interior

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	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	38 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2782 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 40
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	VILLAS DEL CASTILLO PH 2
Legal Phase	2
Legal Tract	806
Legal Block	400
Legal Lot Number	40
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 October 14, 2026

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	2782 ANDES WAY, SAINT CLOUD, FL 34769-5233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jul 19, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 17, 2016	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/CTRL FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Prior Sale	Jul 19, 2019 · Amount on Record
Deed Document Number	2026126849
Deed Book / Page	7042 / 2773
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 1, 2026
Property Address	2782 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0000126849
Book / Page	7042 / 2773
Instrument Date	Sep 30, 2026
Instrument	2026126849
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126850,
Date	Oct 1, 2026
Instrument	2026126850

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2019
Property Address	2782 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0055591181
Book / Page	5559 / 1181
Map Reference	MB 14 PG 127
Instrument Date	Jun 28, 2019
Instrument	2019093054
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,589.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2489 DEER CREEK BLVD, 2489, SAINT CLOUD, FL 34772-8209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 KENTUCKY AVE, SAINT CLOUD, FL 34769-3728

Mortgage

Document Number	0055591183
Date	Jul 19, 2019
Instrument	5559/1183

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2782 ANDES WAY, SAINT CLOUD, FL 34769-5233
Document Number	0051032659
Book / Page	005103 / 002659
Instrument Date	Nov 17, 2016
Transaction Type	Mortgage
Record Updated	Mar 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2782 ANDES WAY ST CLOUD FL 347695233, ST CLOUD, FL 34769-5233

Mortgage

Document Number	0051032659
Date	Feb 16, 2017
Book Page	005103/002659
Instrument	26613

Lender

Name	FIFTH THIRD BK/CTRL FL
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate

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	$3,973.00 (+2.5%)	$216,399 (+5.99%)	$303,700 (+3.69%) Land $65,000 Building $238,700
2024	$3,876.00 (+2.13%)
2023	$3,795.00 (+34.91%) Homeowner's exemption	$204,176 (+3%)	$292,900 (+32.35%) Land $60,000 Building $232,900
2022	$2,813.00 Homeowner's exemption	$198,230	$221,300 Land $55,000 Building $166,300

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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