Osceola County property record for 4944 Oakway Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,136 sqft · built 2006 |
| Lot Size | 0.212 acres (9,278 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Apr 2020) |
| Tax Bill | $5,022 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 122394 |
| Primary APN | 122394 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,136 sqft Heated Area |
| Gross Area | 4,009 sqft |
| 1st Floor Area | 2,756 sqft |
| Upper Floors Area | 380 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| 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 | 596 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 277 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 122394 |
|---|---|
| Street Address | 4944 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 110 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 07 |
| Legal Subdivision | LAKE POINTE |
| Legal Tract | 3885 |
| Legal Block | 1 |
| Legal Lot Number | 110 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records · APN 122394
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4944 OAKWAY DR, SAINT CLOUD, FL 34771-7974 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Apr 27, 2020 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Aug 03, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2020 · Amount on Record |
| Deed Sale | Apr 27, 2020 · Amount on Record |
| Prior Sale | Feb 19, 2009 · Amount on Record |
| Deed Document Number | 2020057224 |
| Deed Book / Page | 5714 / 886 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4944 OAKWAY DR, SAINT CLOUD, FL 34771-7974 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4944 OAKWAY DR, SAINT CLOUD, FL 34771-7974 |
| Document Number | 0064730651 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 6473/651 |
| Instrument | 2023120457 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 07, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 4944 OAKWAY DR, SAINT CLOUD, FL 34771-7974 |
| Document Number | 0057140886 |
| Book / Page | 005714 / 000886 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 57224 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4944 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974 |
| Document Number | 57140889 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 005714/000889 |
| Instrument | 57225 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4944 OAKWAY DR, SAINT CLOUD, FL 34771-7974 |
| Document Number | 0053832847 |
| Instrument Date | Aug 03, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4944 OAKWAY DR ST CLOUD FL 347717974, ST CLOUD, FL 34771-7974 |
| Document Number | 0053832847 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 005383/002847 |
| Instrument | 123287 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 13, 2038 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,022.00 (+6.9%) Homeowner's exemption | $351,940 (+5.99%) | $486,500 (-3.05%) Land $90,000 Building $396,500 |
| 2023 | $4,698.00 (+3.92%) Homeowner's exemption | $332,061 (+3%) | $501,800 (+16.78%) Land $90,000 Building $411,800 |
| 2022 | $4,521.00 Homeowner's exemption | $322,390 | $429,700 Land $80,000 Building $349,700 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 191 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures