4005 Story Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4005 Story Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,783 sqft · built 1996
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Mar 2021)
Tax Bill	$4,154 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`99315`

Property Details

APN / Parcel Number

Primary APN	`99315`
Alternative APN	`052731495000010085`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,783 sqft Heated Area
Gross Area	1,808 sqft
1st Floor Area	1,208 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Area	575 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	600 sqft
Patio Area	408 sqft
Fence	Fence
Pole Barn	740 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	99315
Street Address	4005 STORY RD
City	SAINT CLOUD
State	FL
Zip	34772-8916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 31 W 280.5 FT OF LOT 8 LESS N & W 10 FT FOR RD R/W
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

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	Individual Name on Record
Mailing Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 29, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 25, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Aug 27, 2018	Special Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 18, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on Record
Deed Sale	Mar 25, 2021 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	2021044922
Deed Book / Page	5920 / 1845
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055672453
Date	Aug 5, 2019
Book Page	5567/2453
Instrument	2019100425

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057150730
Date	Apr 29, 2020
Book Page	5715/730
Instrument	2020057982

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2021
Property Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Document Number	0059201845
Book / Page	5920 / 1845
Map Reference	MB B PG 31
Instrument Date	Mar 12, 2021
Instrument	2021044922
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916

Mortgage

Document Number	0059201847
Date	Mar 25, 2021
Instrument	5920/1847

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2018
Property Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Document Number	0053910453
Book / Page	5391 / 0453
Map Reference	MB B PG31
Instrument Date	Aug 22, 2018
Instrument	2018129742
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916

Mortgage

Document Number	2018129743
Date	Aug 27, 2018
Instrument	2018129743

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2017
Property Address	4005 STORY RD, SAINT CLOUD, FL 34772-8916
Document Number	0051810356
Book / Page	005181 / 000356
Instrument Date	Jul 6, 2017
Instrument	104580
Transaction Type	Foreclosure
Record Updated	Aug 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3900 WISCONSIN AVE NW WASHINGTON DC 200162806, WASHINGTON, DC 20016-2806
Investor	Possibly a Property Investor

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	$4,154.00 (+7.28%) Homeowner's exemption	$289,282 (+5.99%)	$352,200 (+9.79%) Land $125,400 Building $226,800
2023	$3,872.00 (+4.14%) Homeowner's exemption	$272,942 (+3%)	$320,800 (+15.52%) Land $97,500 Building $223,300
2022	$3,718.00 Homeowner's exemption	$264,993	$277,700 Land $86,800 Building $190,900

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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