Osceola County property record for 4032 Niles Way, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,572 sqft · built 2002 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Jun 2019) |
| Tax Bill | $3,195 (2025) |
| Deeds & Mortgages | Jun 2019 Sale & Mortgage Sep 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 83286 |
| Primary APN | 83286 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,572 sqft Heated Area |
| Gross Area | 2,046 sqft |
| 1st Floor Area | 1,572 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,589 sqft (0.289 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 74 sqft |
| Patio Area | 180 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 83286 |
|---|---|
| Street Address | 4032 NILES WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | NILES MANOR PB 11 PGS 23-24 LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | NILES MANOR |
| Legal Tract | 591 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 43208 |
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 |
|---|---|
| Mailing Address | 4032 NILES WAY, SAINT CLOUD, FL 34769-6835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL BANK NA |
| Sep 24, 2016 | Deed of Trust, Mortgage · VA Mortgage MONSTERLOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 13, 2019 · Amount on Record |
| Deed Sale | Jun 13, 2019 · Amount on Record |
| Prior Sale | Mar 27, 2008 · Amount on Record |
| Deed Document Number | 2019076561 |
| Deed Book / Page | 5540 / 2428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 13, 2019 |
| Property Address | 4032 NILES WAY, SAINT CLOUD, FL 34769-6835 |
| Document Number | 0055402428 |
| Book / Page | 5540 / 2428 |
| Map Reference | MB 11 PG 23&24 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 2019076561 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ARTESIAN TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12617 SAWGRASS OAK ST, 12617, ORLANDO, FL 32824-4874 |
| Name | Verified Name |
|---|---|
| Address | 4032 NILES WAY, SAINT CLOUD, FL 34769-6835 |
| Document Number | 0055402430 |
|---|---|
| Date | Jun 13, 2019 |
| Instrument | 5540/2430 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4032 NILES WAY, SAINT CLOUD, FL 34769-6835 |
| Document Number | 0051890962 |
| Book / Page | 005189 / 000962 |
| Instrument Date | Sep 24, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Name | Verified Name |
|---|---|
| Address | 4032 NILES WAY ST CLOUD FL 347696835, ST CLOUD, FL 34769-6835 |
| Document Number | 0051890962 |
|---|---|
| Date | Aug 3, 2017 |
| Book Page | 005189/000962 |
| Instrument | 112582 |
| Name | MONSTERLOANS |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 2, 2047 |
Source: Osceola County assessment roll, as of July 1, 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 | $3,195.00 (+6.39%) Homeowner's exemption | $221,396 (+5.99%) | $305,800 (+3.1%) Land $60,000 Building $245,800 |
| 2023 | $3,003.00 (+3.73%) Homeowner's exemption | $208,891 (+3%) | $296,600 (+24%) Land $55,000 Building $241,600 |
| 2022 | $2,895.00 Homeowner's exemption | $202,807 | $239,200 Land $45,000 Building $194,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 25 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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