4942 Oakway Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4942 Oakway Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,488 sqft · built 2006
Lot Size	0.212 acres (9,278 sqft)
Owner	2 Owner Names on File
Last Sale	$230,000 (May 2010)
Tax Bill	$712 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122395`

Property Details

APN / Parcel Number

Primary APN	`122395`
Alternative APN	`072531388500011110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,488 sqft Heated Area
Gross Area	4,475 sqft
1st Floor Area	2,064 sqft
Upper Floors Area	1,424 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,278 sqft (0.212 acres)
Garage Type	Finished
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	35 sqft
Porch	Open Porch
Porch Area	372 sqft
Deck Area	931 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	122395
Street Address	4942 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 111
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1
Legal Lot Number	111
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

The current owner of 4942 Oakway Dr bought it in May 2010.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Owner Names on File
Mailing Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE FIRM INC
Oct 12, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 2, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2010 · Amount on File
Deed Sale	May 11, 2010 · Amount on File
Prior Sale	Jan 5, 2007 · Amount on File
Deed Document Number	2010067104
Deed Book / Page	3983 / 1657
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0068892055
Date	Dec 5, 2025
Book Page	6889/2055
Instrument	2025149275

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974

Mortgage

Document Number	0060630798
Date	Oct 12, 2021
Book Page	6063/798
Instrument	2021158285

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	343 Months
Due	May 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4942 OAKWAY DR, SAINT CLOUD, FL 34771-7974
Document Number	0056872257
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	May 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4942 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974

Mortgage

Document Number	0056872257
Date	Mar 6, 2020
Book Page	005687/002257
Instrument	33452

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4942 Oakway Dr was $712 with exemptions applied.

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	$712.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$282,659	$552,400 Land $90,000 Building $462,400
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$266,693 (+3%)	$566,400 (+15.73%) Land $90,000 Building $476,400
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$258,926	$489,400 Land $80,000 Building $409,400

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

Flood

FEMA maps place 4942 Oakway Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 4942 Oakway Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of 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.

Nearby Properties on Oakway Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures