4920 Oakway Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4920 Oakway Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,320 sqft · built 2006
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jun 2020)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`122406`

Property Details

APN / Parcel Number

Primary APN	`122406`
Alternative APN	`072531388500011220`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,320 sqft Heated Area
Gross Area	4,378 sqft
1st Floor Area	1,972 sqft
Upper Floors Area	1,348 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	498 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	122406
Street Address	4920 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 122
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1
Legal Lot Number	122
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 December 11, 2025

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	4920 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Sep 11, 2018	Warranty Deed, Transfer · Conventional with PMI MIDFLORIDA CU ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	2020073773
Deed Book / Page	5734 / 1799
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2020
Property Address	4920 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0057341799
Book / Page	005734 / 001799
Instrument Date	Jun 8, 2020
Instrument	73773
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4920 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	57341800
Date	Jun 9, 2020
Book Page	005734/001800
Instrument	73774

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2018
Property Address	4920 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0053982964
Book / Page	005398 / 002964
Instrument Date	Sep 7, 2018
Instrument	136457
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4920 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	53982965
Date	Sep 11, 2018
Book Page	005398/002965
Instrument	136458

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,209.00 (+6.85%) Homeowner's exemption	$365,408 (+5.99%)	$505,500 (-3.03%) Land $90,000 Building $415,500
2023	$4,875.00 (+3.88%) Homeowner's exemption	$344,767 (+3%)	$521,300 (+16.8%) Land $90,000 Building $431,300
2022	$4,693.00 Homeowner's exemption	$334,726	$446,300 Land $80,000 Building $366,300

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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