Osceola County property record for 4099 Flowering Peach Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,365 sqft · built 2005 |
| Lot Size | 0.264 acres (11,499 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,000 (Nov 2014) |
| Tax Bill | $4,364 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-26-30-0700-0001-2010 |
| Primary APN | 15-26-30-0700-0001-2010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,365 sqft Living Area |
| Gross Area | 3,035 sqft |
| 1st Floor Area | 2,365 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,499 sqft (0.264 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 250 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4099 FLOWERING PEACH LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | STEVENS PLANTATION PB 16 PGS 34-41 LOT 201 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 15 |
| Legal Subdivision | STEVENS PLANTATION |
| Legal Tract | 700 |
| Legal Block | 2010 |
| Legal Lot Number | 201 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 43208 |
4099 Flowering Peach Ln is owned and occupied by an individual who acquired it in November 2024.
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4099 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Jul 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Dec 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2014 · Amount on File |
| Deed Sale | Nov 26, 2014 · Amount on File |
| Prior Sale | Mar 26, 2014 |
| Deed Document Number | 2014174357 |
| Deed Book / Page | 4700 / 2582 |
| Last Transfer Date | Nov 21, 2024 |
| Transfer Doc | 0067271359 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4099 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8729 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051840339 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 5184/0339 |
| Instrument | 2017107762 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4099 FLOWERING PEACH LN, SAINT CLOUD, FL 34772-8729 |
| Document Number | 0058571536 |
| Instrument Date | Dec 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4099 FLOWERING PEACH LN ST CLOUD FL 347728729, ST CLOUD, FL 34772-8729 |
| Document Number | 0058571536 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 005857/001536 |
| Instrument | 174648 |
| Name | R P FNDG INC |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 22, 2035 |
The 2025 property tax bill for 4099 Flowering Peach Ln was $4,364, up 2.1% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $4,364.00 (+2.11%) | $185,988 | $360,800 Land $85,000 Building $275,800 |
| 2024 | $4,274.00 (+6.8%) | ||
| 2023 | $4,002.00 (+6.18%) Homeowner's exemption | $175,483 (+3%) | $329,500 (+10.53%) Land $75,000 Building $254,500 |
| 2022 | $3,769.00 Homeowner's exemption | $170,372 | $298,100 Land $70,000 Building $228,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4099 Flowering Peach Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.
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 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 4099 Flowering Peach Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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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