Osceola County property record for 4001 Story Rd, Saint Cloud, FL 34772
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,150 sqft · built 1982 |
| Lot Size | 2.55 acres (111,514 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,098 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 99314 |
| Primary APN | 99314 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,150 sqft Heated Area |
| Gross Area | 1,642 sqft |
| 1st Floor Area | 1,150 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 111,514 sqft (2.55 acres) |
| Garage Area | 1,581 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 288 sqft |
| Deck Area | 280 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 99314 |
|---|---|
| Street Address | 4001 STORY RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8916 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OAR2 |
| Legal Description | S L & I C PB B PG 31 LOT 8 LESS E 270.5 FT OF W 280.5 FT |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 05 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43205 |
4001 Story Rd, a mobile home, is owned and occupied by two individuals who acquired it in January 2012.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4001 STORY RD, SAINT CLOUD, FL 34772-8916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage REVERSE MORTGAGES.COM |
| Dec 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2012 |
| Deed Sale | Jan 29, 2012 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4001 STORY RD, SAINT CLOUD, FL 34772-8916 |
| Document Number | 0052551256 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 4001 STORY RD ST CLOUD FL 347728916, ST CLOUD, FL 34772-8916 |
| Document Number | 0052551256 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 005255/001256 |
| Instrument | 179255 |
| Name | REVERSE MORTGAGES.COM |
|---|---|
| Address | COLUMBIA, MO 65203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Due | Dec 17, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.58% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4001 STORY RD, SAINT CLOUD, FL 34772-8916 |
| Document Number | 0052551273 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 4001 STORY RD ST CLOUD FL 347728916, ST CLOUD, FL 34772-8916 |
| Document Number | 0052551273 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 005255/001273 |
| Instrument | 179256 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 984 Months |
| Due | Dec 17, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.58% |
The 2025 property tax bill for 4001 Story Rd was $1,098 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,098.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $90,489 | $254,600 Land $162,500 Building $92,100 |
| 2023 | $979.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $85,378 | $218,700 Land $126,200 Building $92,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4001 Story Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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 risk around 4001 Story Rd is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
May also be available: Xfinity.
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