4902 Oakway Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4902 Oakway Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,138 sqft · built 2005
Lot Size	0.348 acres (15,202 sqft)
Owner	Individual Name on File
Last Sale	$309,000 (Jul 2018)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`122415`

Property Details

APN / Parcel Number

Primary APN	`122415`
Alternative APN	`072531388500011310`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,138 sqft Heated Area
Gross Area	4,035 sqft
1st Floor Area	2,064 sqft
Upper Floors Area	1,074 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,202 sqft (0.348 acres)
Garage Type	Finished
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Open Porch
Porch Area	282 sqft
Deck Area	969 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	122415
Street Address	4902 OAKWAY DR
City	SAINT CLOUD
State	FL
Zip	34771-7974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE POINTE PB 16 PGS 90-92 LOT 131
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1
Legal Lot Number	131
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 122415

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
Co-owner	Verified Secondary Owner
Mailing Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
May 05, 2020	Deed of Trust, Mortgage · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Jul 11, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2018 · Amount on Record
Deed Sale	Jul 11, 2018 · Amount on Record
Prior Sale	Sep 19, 2005 · Amount on Record
Deed Document Number	2018106311
Deed Book / Page	5365 / 1863
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0060210992
Date	Aug 12, 2021
Book Page	6021/992
Instrument	2021124928

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company
Address	LUTZ, FL 33558

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057172508
Date	May 05, 2020
Book Page	5717/2508
Instrument	2020060285

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company
Address	LUTZ, FL 33558

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2018
Property Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0053651863
Book / Page	5365 / 1863
Map Reference	MB16 PG90-92
Instrument Date	Jun 25, 2018
Instrument	2018106311
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	NU WORLD TITLE OF CENTRAL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,163.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2555 NE 110TH ST809, 2555, FORT LAUDERDALE, FL 33304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4902 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	2018106312
Date	Jul 11, 2018
Instrument	2018106312

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,753.00 (+7%) Homeowner's exemption	$332,533 (+5.99%)	$498,400 (-2.94%) Land $90,000 Building $408,400
2023	$4,442.00 (+3.98%) Homeowner's exemption	$313,750 (+3%)	$513,500 (+15.71%) Land $90,000 Building $423,500
2022	$4,272.00 Homeowner's exemption	$304,612	$443,800 Land $80,000 Building $363,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 39% of Florida
Wildfire Likelihood	About 1 in 526 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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