Osceola County property record for 4045 Jefferson Dr, Saint Cloud, FL 34769 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1985 |
| Lot Size | 0.088 acres (3,833 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,000 (Apr 2014) |
| Tax Bill | $972 (2025) |
| Deeds & Mortgages | May 2026 Sale Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0042-0001-0310 |
| Primary APN | 04-26-30-0042-0001-0310 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 1,830 sqft |
| 1st Floor Area | 1,304 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,833 sqft (0.088 acres) |
| Garage Type | Attached |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 308 sqft |
| Patio Area | 176 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4045 JEFFERSON DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 31 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG REPLAT |
| Legal Tract | 42 |
| Legal Block | 310 |
| Legal Lot Number | 31 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0042-0001-0310
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4045 JEFFERSON DR, SAINT CLOUD, FL 34769-6708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 13, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 19, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 15, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 21, 2014 · Amount on Record |
| Deed Sale | Apr 21, 2014 · Amount on Record |
| Prior Sale | Jun 16, 1998 · Amount on Record |
| Deed Document Number | 201454372 |
| Deed Book / Page | 4597 / 1598 |
| Last Transfer Date | May 13, 2026 |
| Transfer Doc | 0000063480 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 13, 2026 |
| Property Address | 4045 JEFFERSON DR, SAINT CLOUD, FL 34769-6708 |
| Document Number | 0000063480 |
| Book / Page | 6971 / 877 |
| Instrument Date | May 13, 2026 |
| Instrument | 202663480 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 4045 JEFFERSON DR, SAINT CLOUD, FL 34769-6708 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4045 JEFFERSON DR, SAINT CLOUD, FL 34769-6708 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0065361985 |
|---|---|
| Date | Jan 19, 2024 |
| Book Page | 6536/1985 |
| Instrument | 2024008004 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4045 JEFFERSON DR, SAINT CLOUD, FL 34769-6708 |
| Document Number | 0055442465 |
| Instrument Date | Jun 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4045 JEFFERSON DR ST CLOUD FL 347696708, ST CLOUD, FL 34769-6708 |
| Document Number | 0055442465 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 005544/002465 |
| Instrument | 79765 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 19, 2044 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $972.00 (+4.4%) Homeowner's exemption | $97,201 (+5.99%) | $240,700 (+13.32%) Land $35,000 Building $205,700 |
| 2024 | $931.00 (+4.37%) | ||
| 2023 | $892.00 (+5.56%) Homeowner's exemption | $91,711 (+3%) | $212,400 (+12.03%) Land $14,900 Building $197,500 |
| 2022 | $845.00 Homeowner's exemption | $89,040 | $189,600 Land $14,900 Building $174,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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