4103 Neptune Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4103 Neptune Rd, Saint Cloud, FL 34769

Property Summary

Property Type	Mixed Use Store/Office
Details	1,224 sqft · built 1985
Lot Size	0.03 acres (1,307 sqft)
Owner	Owner Name on File
Last Sale	$89,900 (Apr 2014)
Tax Bill	$2,166 (2025)
Flood Zone	Zone X (minimal risk)
APN	`82355`

Property Details

APN / Parcel Number

Primary APN	`82355`
Alternative APN	`042630041200014103`

Interior

Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,224 sqft Heated Area
1st Floor Area	1,224 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Aluminum Siding
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82355
Street Address	4103 NEPTUNE RD
City	SAINT CLOUD
State	FL
Zip	34769-6741
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Legal Description	PALAMAR OAKS VILLAS CB 1 PGS 247-248 OR 766/1 UNIT 4103
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	ST CLOUD
Legal Tract	412
Legal Block	1
Legal Lot Number	410
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 82355

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	4103 NEPTUNE RD, SAINT CLOUD, FL 34769-6741
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 30, 2014 · Amount on Record
Deed Sale	Apr 30, 2014 · Amount on Record
Prior Sale	Oct 17, 2012 · Amount on Record
Deed Document Number	2014059839
Deed Book / Page	4601 / 2208
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$2,166.00 (+24.34%)	$132,100 (+34.66%) Building $132,100	$132,100 (+34.66%) Building $132,100
2023	$1,742.00 (+9.7%)	$98,100 (+9.24%) Building $98,100	$98,100 (+9.24%) Building $98,100
2022	$1,588.00	$89,800 Building $89,800	$89,800 Building $89,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 263 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Lumen Technologies.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.