4020 Story Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4020 Story Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,021 sqft · built 2003
Lot Size	5.09 acres (221,764 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Aug 2022)
Tax Bill	$7,772 (2025)
Deeds & Mortgages	Aug 2022 Sale Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99394`

Property Details

APN / Parcel Number

Primary APN	`99394`
Alternative APN	`062731290100010020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,021 sqft Heated Area
Gross Area	2,914 sqft
1st Floor Area	2,021 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	221,764 sqft (5.09 acres)
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	365 sqft
Deck Area	568 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	99394
Street Address	4020 STORY RD
City	SAINT CLOUD
State	FL
Zip	34772-8915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	CUZ WAY PB 12 PG 29 LOTS 2 & 3
Legal Range	31E
Legal Township	27S
Legal Section	06
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	2901
Legal Block	1
Legal Lot Number	2-3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

4020 Story Rd is owned and occupied by an individual who bought it in August 2022.

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 STORY RD, SAINT CLOUD, FL 34772-8915
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Warranty Deed, Transfer UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL
Mar 14, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 20, 2021	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Prior Sale	Mar 14, 2022 · Amount on File
Deed Document Number	0000627374
Deed Book / Page	6273 / 74
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2022
Property Address	4020 STORY RD, SAINT CLOUD, FL 34772-8915
Document Number	0062730074
Book / Page	6273 / 74
Map Reference	MB 12 PG 29
Instrument Date	Aug 22, 2022
Instrument	2022128503
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6917 RIDGEWOOD AVE APT 1, 1, CAPE CANAVERAL, FL 32920-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6676 69TH ST, MIDDLE VILLAGE, NY 11379-1714

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2022
Property Address	4020 STORY RD, SAINT CLOUD, FL 34772-8915
Document Number	0061710772
Book / Page	6171 / 772
Map Reference	MB B PG 33&34
Instrument Date	Mar 11, 2022
Instrument	2022040812
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2500 14TH ST, SAINT CLOUD, FL 34769-4141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1618 EASTERN AVE, SAINT CLOUD, FL 34769-4721

Mortgage

Document Number	0006171774
Date	Mar 14, 2022
Instrument	6171/774

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2021
Property Address	4020 STORY RD, SAINT CLOUD, FL 34772-8915
Document Number	0060461957
Book / Page	6046 / 1957
Map Reference	MB B PG 33&34
Instrument Date	Sep 15, 2021
Instrument	2021145089
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1618 EASTERN AVE, SAINT CLOUD, FL 34769-4721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 14TH ST, SAINT CLOUD, FL 34769-4141

Tax Assessment & Valuation

The 2025 property tax bill for 4020 Story Rd was $7,772 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	$7,772.00 Homeowner's exemption Disabled Person's exemption	$555,400 Land $264,000 Building $291,400	$555,400 Land $264,000 Building $291,400
2023	$5,901.00 (+178.74%)	$378,100 (+151.35%) Land $94,000 Building $284,100	$378,100 (+18.9%) Land $94,000 Building $284,100
2022	$2,117.00 Homeowner's exemption	$150,428	$318,000 Land $83,700 Building $234,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4020 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	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

Wildfire risk around 4020 Story Rd is moderate, ranking above 68% 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 68% of the US · above 48% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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