4940 Oakway Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4940 Oakway Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,320 sqft · built 2007
Lot Size	0.228 acres (9,932 sqft)
Owner	Trust Name on Record
Last Sale	$357,000 (Sep 2019)
Tax Bill	$4,561 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jul 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122396`

Property Details

APN / Parcel Number

Primary APN	`122396`
Alternative APN	`072531388500011120`

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	4,204 sqft
1st Floor Area	1,972 sqft
Upper Floors Area	1,348 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,932 sqft (0.228 acres)
Garage Type	Finished
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	324 sqft
Patio Area	342 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	122396
Street Address	4940 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 112
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1
Legal Lot Number	112
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	Trust Name on Record
Co-owner	Co-owner on Record
Mailing Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 5, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Sep 20, 2021	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Sep 27, 2019	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	Jan 25, 2007 · Amount on Record
Deed Document Number	2019125179
Deed Book / Page	5596 / 1806
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0065190462
Date	Dec 14, 2023
Book Page	6519/462
Instrument	2023162680

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	228 Months
Due	Dec 1, 2042

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0064430533
Date	Jul 19, 2023
Book Page	6443/533
Instrument	2023093390

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	233 Months
Due	Dec 1, 2042

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Dec 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0063241200
Date	Dec 5, 2022
Book Page	6324/1200
Instrument	2022174177

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2042

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0060462833
Date	Sep 20, 2021
Book Page	6046/2833
Instrument	2021145267

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2019
Property Address	4940 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0055961806
Book / Page	5596 / 1806
Map Reference	MB 16 PG 90-92
Instrument Date	Sep 26, 2019
Instrument	2019125179
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,499.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12315 FORT KING RD, 12315, DADE CITY, FL 33525-5601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	49040 OAKWAY DRIVE, SAINT CLOUD, FL 34771

Mortgage

Document Number	0055961808
Date	Sep 27, 2019
Instrument	5596/1808

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,561.00 (+7.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$323,685 (+5.99%)	$505,100 (-2.92%) Land $90,000 Building $415,100
2023	$4,256.00 (+4.08%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$305,401 (+3%)	$520,300 (+16.58%) Land $90,000 Building $430,300
2022	$4,089.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$296,506	$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 minimal risk
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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