4125 Neptune Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4125 Neptune Rd, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Commercial Office
Details	1,426 sqft · built 1956
Lot Size	0.265 acres (11,543 sqft)
Owner	Company Name on File
Last Sale	$417,500 (Mar 2022)
Tax Bill	$6,674 (2025)
Deeds & Mortgages	May 2024 Line of Credit Dec 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-26-30-0041-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0041-0001-0130`
Alternative APNs	`263004004100010130` `82124`

Interior

Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	1 Room
Units	2 Units
Stories	1 Story
Building Area	1,426 sqft Gross Area
1st Floor Area	1,426 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Shed Roof
Roof Material	Built-Up Asphalt
Lot Area	11,543 sqft (0.265 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4125 NEPTUNE RD
City	SAINT CLOUD
State	FL
Zip	34769-6735
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	PALAMAR PARK PB 1 PG 107 LOT 13 & W 1/2 LOT 14 LESS R/W
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR PARK
Legal Tract	41
Legal Block	1
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0041-0001-0130

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	Company Name on File
Mailing Address	1001 NEW YORK AVE, SAINT CLOUD, FL 34769-3737
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 17, 2024	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Dec 17, 2025	Intrafamily Transfer, Transfer
Mar 29, 2022	Warranty Deed, Transfer · Balloon Mortgage Z FAMILY ASSETS LLC
Sep 05, 2020	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BK
Feb 02, 2018	Warranty Deed, Transfer · Commercial Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Feb 02, 2018 · Amount on Record
Deed Document Number	202249774
Deed Book / Page	6182 / 167
Prior Transfer Date	Aug 19, 2009
Prior Transfer Doc	0038791242
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4125 NEPTUNE RD, SAINT CLOUD, FL 34769-6735
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 NEW YORK AVE, SAINT CLOUD, FL 34769-3737

Mortgage

Document Number	0066021073
Date	May 17, 2024
Book Page	6602/1073
Instrument	2024065431

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2025
Property Address	4125 NEPTUNE RD, SAINT CLOUD, FL 34769-6735
Document Number	0068942445
Book / Page	6894 / 2445
Instrument Date	Jun 26, 2025
Instrument	2025153859
Transaction Type	Transfer
Record Updated	Dec 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1550 6TH ST, SAINT CLOUD, FL 34769-2712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 6TH ST, SAINT CLOUD, FL 34769-2712

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2022
Property Address	4125 NEPTUNE RD, SAINT CLOUD, FL 34769-6735
Document Number	0061820167
Book / Page	6182 / 167
Map Reference	MB 1 PG 107
Instrument Date	Mar 18, 2022
Instrument	2022049774
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,922.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 BROADWAY, KISSIMMEE, FL 34741-5713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 NEW YORK AVE, SAINT CLOUD, FL 34769-3737
Investor	Possibly a Property Investor

Mortgage

Document Number	0006182168
Date	Mar 29, 2022
Instrument	6182/168

Lender

Name	Z FAMILY ASSETS LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	25 Months
Due	Apr 01, 2024

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4125 NEPTUNE RD, SAINT CLOUD, FL 34769-6735
Document Number	0058301665
Instrument Date	Sep 05, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	117 BROADWAY #B KISSIMMEE FL 347415713, B, KISSIMMEE, FL 34741-5713

Mortgage

Document Number	0058301665
Date	Nov 10, 2020
Book Page	005830/001665
Instrument	154195

Lender

Name	CENTENNIAL BK
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 09, 2025

Interest

Rate Type	Adjustable Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 02, 2018
Property Address	4125 NEPTUNE RD, SAINT CLOUD, FL 34769-6735
Document Number	0052790193
Book / Page	5279 / 0193
Map Reference	MB1 PG107
Instrument Date	Jan 31, 2018
Instrument	2018017524
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5175 HAYWOOD RUFFIN RD, 5175, SAINT CLOUD, FL 34771-8267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 BROADWAY # B, B, KISSIMMEE, FL 34741-5713

Mortgage

Document Number	2018017525
Date	Feb 02, 2018
Instrument	2018017525

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$6,674.00 (+3.3%)	$372,900 (+11.55%) Land $138,500 Building $234,400	$372,900 (+11.55%) Land $138,500 Building $234,400
2024	$6,461.00 (+7.33%)
2023	$6,020.00 (+125.13%)	$334,300 (+48.58%) Land $112,200 Building $222,100	$334,300 (+48.58%) Land $112,200 Building $222,100
2022	$2,674.00	$225,000 Land $93,500 Building $131,500	$225,000 Land $93,500 Building $131,500

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

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; 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 · Published October 2026 · based on 263 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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