4918 Oakway Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4918 Oakway Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,573 sqft · built 2005
Lot Size	0.207 acres (9,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Aug 2008)
Tax Bill	$2,981 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`07-25-31-3885-0001-1230`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-3885-0001-1230`
Alternative APNs	`253107388500011230` `122407`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,573 sqft Living Area
Gross Area	3,423 sqft
1st Floor Area	2,573 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,016 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4918 OAKWAY DR
City	SAINT CLOUD
State	FL
Zip	34771-7974
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE POINTE PB 16 PGS 90-92 LOT 123
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1230
Legal Lot Number	123
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of April 23, 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	4918 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 7, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Dec 20, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2008 · Amount on Record
Deed Sale	Aug 1, 2008 · Amount on Record
Prior Sale	Dec 13, 2005 · Amount on Record
Deed Document Number	2008125264
Deed Book / Page	3719 / 1664
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Feb 17, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061442722
Date	Feb 7, 2022
Book Page	6144/2722
Instrument	2022020287

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0056900511
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4918 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	0056900511
Date	Mar 11, 2020
Book Page	005690/000511
Instrument	35465

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Mar 10, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0055230457
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	Jun 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4918 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	0055230457
Date	May 13, 2019
Book Page	005523/000457
Instrument	61191

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4918 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0052621281
Book / Page	005262 / 001281
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4918 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	0052621281
Date	Jan 2, 2018
Book Page	005262/001281
Instrument	681

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,981.00 (+5.75%) Homeowner's exemption	$204,590 (+5.99%)	$456,100 (-3%) Land $90,000 Building $366,100
2024	$2,819.00 (+2.29%)
2023	$2,756.00 (+4.63%) Homeowner's exemption	$193,034 (+3%)	$470,200 (+16.76%) Land $90,000 Building $380,200
2022	$2,634.00 Homeowner's exemption	$187,412	$402,700 Land $80,000 Building $322,700

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 278 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 314 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink.

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