Osceola County property record for 440 Watusi Way, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2022 |
| Square Footage | 3,165 sqft Heated Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $471,900 (2022) |
| Tax Bill | $1,909.00 (2025) |
| Primary APN | 132630011700012170 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,165 sqft Heated Area |
| Gross Area | 3,807 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Finished Garage |
| Fence | Fence |
| Patio Area | 420 sqft Patio |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 440 WATUSI WAY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9236 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 217 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Tract | 117 |
| Legal Lot Number | 217 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 132630011700012170
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 440 WATUSI WAY, SAINT CLOUD, FL 34772-9236 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 15, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 05, 2022 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage HOME1ST LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 05, 2022 · Amount on Record |
| Deed Sale | Aug 05, 2022 · Amount on Record |
| Deed Doc Number | 2022120454 |
| Deed Book / Page | 6264 / 1216 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 440 WATUSI WAY, SAINT CLOUD, FL 34772-9236 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 6205 WESTGATE DR 1205, 1205, ORLANDO, FL 32835-7090 |
| Document Number | 0063142387 |
|---|---|
| Date | Nov 15, 2022 |
| Book Page | 6314/2387 |
| Instrument | 2022165640 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 05, 2022 |
| Property Address | 440 WATUSI WAY, SAINT CLOUD, FL 34772-9236 |
| Document Number | 0062641216 |
| Book / Page | 6264 / 1216 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Jul 07, 2022 |
| Instrument | 2022120454 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,303.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 440 WATUSI WAY, SAINT CLOUD, FL 34772-9236 |
| Document Number | 0062641220 |
|---|---|
| Date | Aug 05, 2022 |
| Book Page | 6264/1220 |
| Instrument | 2022120455 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,909.00 (-78.36%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $453,317 (+6.29%) | $456,900 (+7.13%) Land $78,000 Building $378,900 |
| 2023 | $8,823.00 (+210.67%) Homeowner's exemption | $426,500 (+675.45%) Land $65,000 Building $361,500 | $426,500 (+675.45%) Land $65,000 Building $361,500 |
| 2022 | $2,840.00 | $55,000 Land $55,000 | $55,000 Land $55,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 280 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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