Osceola County property record for 4101 Lake Gentry Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,378 sqft · built 1981 |
| Lot Size | 4.8 acres (209,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Dec 2018) |
| Tax Bill | $4,123 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 04-27-31-4950-0001-0380 |
| Primary APN | 04-27-31-4950-0001-0380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 2,378 sqft Living Area |
| Gross Area | 2,393 sqft |
| 1st Floor Area | 1,754 sqft |
| Flooring | Carpet |
| Interior Walls | Unfinished |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 209,480 sqft (4.8 acres) |
| Garage Area | 2,000 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 684 sqft |
| Porch | Florida Room |
| Porch Area | 951 sqft |
| Deck Area | 564 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4101 LAKE GENTRY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 30 LOT 38 LESS RD R/W |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 04 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 380 |
| Legal Lot Number | 38 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43802 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4101 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ANGEL OAK HOME LOANS LLC |
| Dec 20, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 20, 2018 · Amount on Record |
| Deed Sale | Dec 20, 2018 · Amount on Record |
| Prior Sale | Feb 23, 2005 · Amount on Record |
| Deed Document Number | 2018186423 |
| Deed Book / Page | 5453 / 422 |
| Last Transfer Date | Jun 28, 2021 |
| Transfer Doc | 0059942719 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 2, 2021 |
| Property Address | 4101 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9009 |
| Document Number | 0059942719 |
| Book / Page | 5994 / 2719 |
| Map Reference | MB B PG 30 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021103893 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4101 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9009 |
| Document Number | 59942722 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 5994/2722 |
| Name | ANGEL OAK HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 20, 2018 |
| Property Address | 4101 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9009 |
| Document Number | 0054530422 |
| Book / Page | 5453 / 0422 |
| Map Reference | MB B PG 30 |
| Instrument Date | Dec 20, 2018 |
| Instrument | 2018186423 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1320 MICHIGAN AVE, 1320, SAINT CLOUD, FL 34769-4537 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4101 LAKE, SAINT CLOUD, FL 34772 |
| Document Number | 2018186424 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 2018186424 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,123.00 (+5.07%) Homeowner's exemption | $287,023 (+5.99%) | $498,400 (-6.42%) Land $312,000 Building $186,400 |
| 2024 | $3,924.00 (+2.13%) | ||
| 2023 | $3,842.00 (+12.64%) Homeowner's exemption | $270,810 (+11.44%) | $532,600 (+61.44%) Land $312,000 Building $220,600 |
| 2022 | $3,411.00 Homeowner's exemption | $243,012 | $329,900 Land $151,200 Building $178,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Lumen Technologies DSL | 140 / 20 |
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