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4000 Niles Way, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4000 Niles Way, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,385 sqft · built 2002
Lot Size0.206 acres (8,973 sqft)
OwnerIndividual Name on File
Last Sale$121,900 (Dec 2002)
Tax Bill$985 (2025)
Deeds & MortgagesSep 2026 Mortgage
Jul 2026 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-26-30-0591-0001-0180

Property Details

APN / Parcel Number

Primary APN09-26-30-0591-0001-0180
Alternative APNs
  • 263009059100010180
  • 83294

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,385 sqft Living Area
Gross Area1,909 sqft
1st Floor Area1,385 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,973 sqft (0.206 acres)
Lot Dimensions140 ft deep x 64 ft wide
Garage TypeAttached
Garage Area380 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area144 sqft
Patio Area120 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4000 NILES WAY
CitySAINT CLOUD
StateFL
Zip34769-6835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionNILES MANOR PB 11 PGS 23-24 LOT 18
Legal Range30E
Legal Township26S
Legal Section09
Legal SubdivisionNILES MANOR
Legal Tract591
Legal Block180
Legal Lot Number18
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3031
Census Tract43208

Owner

4000 Niles Way is owned and occupied by an individual who acquired it in July 2026.

Source: Osceola County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2026Deed of Trust, Mortgage · Conventional Mortgage
TRUST BANK
Jul 17, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Feb 29, 2024Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Mar 12, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 26, 2002 · Amount on File
Deed SaleDec 26, 2002 · Amount on File
Deed Book / Page2167 / 116
Last Transfer DateJul 17, 2026
Transfer Doc0000094042
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateSep 16, 2026
Property Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835
Document Number0000120459
Book / Page7035 / 2154
Instrument DateSep 10, 2026
Instrument2026120459
Transaction TypeMortgage
Record UpdatedSep 28, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835

Mortgage

Document Number0000120459,
DateSep 16, 2026
Book Page7035/2154
Instrument2026120459
Lender
NameTRUST BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

July 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2026
Property Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835
Document Number0000094042
Book / Page7005 / 2517
Instrument DateJul 17, 2026
Instrument202694042
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835
Transaction TypeMortgage
Record UpdatedMar 22, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835

Mortgage

Document Number0065571516
DateFeb 29, 2024
Book Page6557/1516
Instrument2024026782
Lender
NameTRUIST BANK
TypeBank
AddressPO BOX 1290, WHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueFeb 21, 2054
Interest
Change FrequencyMonthly

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMar 12, 2018
Property Address4000 NILES WAY, SAINT CLOUD, FL 34769-6835
Document Number0052991908
Book / Page005299 / 001908
Instrument DateMar 9, 2018
Instrument40480
Transaction TypeTransfer
Record UpdatedApr 12, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address4000 NILES WAY ST CLOUD FL 347696835, ST CLOUD, FL 34769-6835

Tax Assessment & Valuation

The 2025 property tax bill for 4000 Niles Way was $985 with a homeowner's exemption, up 4.5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$985.00 (+4.45%) Homeowner's exemption$97,936$284,200 Land $60,000 Building $224,200
2024$943.00 (+4.2%)
2023$905.00 (+5.6%) Homeowner's exemption$92,404 (+3%)$275,200 (+24.3%) Land $55,000 Building $220,200
2022$857.00 Homeowner's exemption$89,713$221,400 Land $45,000 Building $176,400

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

Flood

FEMA maps place 4000 Niles Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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 4000 Niles Way is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.09% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 300 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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