Osceola County property record for 4020 Flowering Peach Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,365 sqft · built 2005 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Mar 2024) |
| Tax Bill | $7,438 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Dec 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 120604 |
| Primary APN | 120604 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,365 sqft Heated Area |
| Gross Area | 2,830 sqft |
| 1st Floor Area | 2,365 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 45 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 120604 |
|---|---|
| Street Address | 4020 FLOWERING PEACH LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 240 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 1 |
| Legal Lot Number | 240 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43208 |
4020 Flowering Peach Ln is owned and occupied by an individual who bought it in March 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4020 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8728 |
| 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 |
|---|---|
| Mar 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 14, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2024 · Amount on File |
| Deed Sale | Mar 22, 2024 · Amount on File |
| Prior Sale | Jan 29, 2015 · Amount on File |
| Deed Document Number | 0065692308 |
| Deed Book / Page | 6569 / 2308 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4020 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8728 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 16920 SW 95TH ST, MIAMI, FL 33196-4768 |
| Document Number | 0065692310 |
|---|---|
| Date | Mar 22, 2024 |
| Book Page | 6569/2310 |
| Instrument | 2024037257 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4020 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8728 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4020 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8728 |
| Document Number | 0065190166 |
|---|---|
| Date | Dec 14, 2023 |
| Book Page | 6519/166 |
| Instrument | 2023162584 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Nov 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4020 Flowering Peach Ln was $7,438 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,438.00 Homeowner's exemption | $357,700 Land $85,000 Building $272,700 | $357,700 Land $85,000 Building $272,700 |
| 2023 | $4,396.00 (+5.88%) Homeowner's exemption | $197,360 (+3%) | $326,700 (+10.56%) Land $75,000 Building $251,700 |
| 2022 | $4,152.00 Homeowner's exemption | $191,612 | $295,500 Land $70,000 Building $225,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4020 Flowering Peach Ln in Zone X, an area of minimal 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 41 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020 · other causes |
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 4020 Flowering Peach Ln is moderate, ranking above 50% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| CenturyLink Fiber | 100 / 100 |
May also be available: Verizon.
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