Osceola County property record for 4160 Kaiser Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,383 sqft Heated Area |
| Lot Size | 209,959 sqft (4.82 acres) |
| Garage | Finished, 420 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $4,192.00 (2025) |
| Primary APN | 89113 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,383 sqft Heated Area |
| Gross Area | 3,183 sqft Gross Area |
| 1st Floor | 2,383 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 209,959 sqft (4.82 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Porch | Open Porch |
| Porch Area | 380 sqft Porch |
| Pole Structure | 1,920 sqft Pole Structure |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 89113 |
|---|---|
| Street Address | 4160 KAISER AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9333 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 21 LOT 46 LESS R/W FOR KAISER AVE |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 01 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 46 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 43205 |
Source: Osceola County records · APN 89113
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 | Individual Name on File |
|---|---|
| Mailing Address | 4160 KAISER AVE, SAINT CLOUD, FL 34772-9333 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Nov 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 07, 2022 |
| Deed Sale | Sep 07, 2022 |
| Prior Sale | Mar 30, 2005 · Amount on Record |
| Deed Doc Number | 2018174876 |
| Deed Book / Page | 5440 / 0279 |
| Prior Transfer Date | Nov 29, 2018 |
| Prior Transfer Doc | 2018174876 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4160 KAISER AVE, SAINT CLOUD, FL 34772-9333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4160 KAISER AVE, SAINT CLOUD, FL 34772-9333 |
| Document Number | 0061321056 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 6132/1056 |
| Instrument | 2022010090 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4160 KAISER AVE, SAINT CLOUD, FL 34772-9333 |
| Document Number | 0056311515 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4160 KAISER AVE ST CLOUD FL 347729333, ST CLOUD, FL 34772-9333 |
| Document Number | 0056311515 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 005631/001515 |
| Instrument | 154802 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2018 |
| Property Address | 4160 KAISER AVE, SAINT CLOUD, FL 34772-9333 |
| Document Number | 0054400279 |
| Book / Page | 005440 / 000279 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 174876 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | SAINT LAWRENCE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4240 GOLD RUSH LN ST CLOUD FL 347727699, ST CLOUD, FL 34772-7699 |
| Document Number | 54400280 |
|---|---|
| Date | Nov 29, 2018 |
| Book Page | 005440/000280 |
| Instrument | 174877 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $4,192.00 (+7.38%) Homeowner's exemption Widower's exemption | $297,030 (+5.99%) | $530,900 (+15.14%) Land $216,900 Building $314,000 |
| 2023 | $3,904.00 (+2.25%) Homeowner's exemption Widower's exemption | $280,252 (+3%) | $461,100 (+10.76%) Land $154,200 Building $306,900 |
| 2022 | $3,818.00 Homeowner's exemption | $272,090 | $416,300 Land $154,200 Building $262,100 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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