Osceola County property record for 4190 Bull St, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2022 |
| Square Footage | 3,266 sqft Heated Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $454,700 (2022) |
| Tax Bill | $9,867.00 (2025) |
| Primary APN | 132630011700011920 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,266 sqft Heated Area |
| Gross Area | 4,376 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Finished Garage |
| Patio Area | 200 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4190 BULL ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9200 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OLD HICKORY PH 1 & 2 PB 29 PGS 13-24 LOT 192 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 13 |
| Legal Subdivision | OLD HICKORY PHSES 1 & 2 |
| Legal Phase | 1 |
| Legal Tract | 117 |
| Legal Lot Number | 192 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43303 |
Source: Osceola County records · APN 132630011700011920
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 | 4190 BULL ST, SAINT CLOUD, FL 34772-9200 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 30, 2024 | Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU |
| Feb 24, 2022 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage LENNAR MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 24, 2022 · Amount on Record |
| Deed Sale | Feb 24, 2022 · Amount on Record |
| Deed Doc Number | 2022030087 |
| Deed Book / Page | 6157 / 699 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4190 BULL ST, SAINT CLOUD, FL 34772-9200 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4190 BULL ST, SAINT CLOUD, FL 34772-9200 |
| Document Number | 0067170008 |
|---|---|
| Date | Dec 30, 2024 |
| Book Page | 6717/8 |
| Instrument | 2024162920 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 24, 2022 |
| Property Address | 4190 BULL ST, SAINT CLOUD, FL 34772-9200 |
| Document Number | 0061570699 |
| Book / Page | 6157 / 699 |
| Map Reference | MB 29 PG 13 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022030087 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,182.90 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6875 WESTWOOD BLVD # 5, 5, ORLANDO, FL 32821-6009 |
| Name | Verified Name |
|---|---|
| Address | 4190 BULL ST, SAINT CLOUD, FL 34772-9200 |
| Document Number | 0006157703 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 6157/703 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,867.00 (-2.63%) Homeowner's exemption | $487,700 (+6.74%) Land $78,000 Building $409,700 | $487,700 (+6.74%) Land $78,000 Building $409,700 |
| 2023 | $10,134.00 (+256.83%) | $456,900 (+730.73%) Land $65,000 Building $391,900 | $456,900 (+730.73%) Land $65,000 Building $391,900 |
| 2022 | $2,840.00 | $55,000 Land $55,000 | $55,000 Land $55,000 |
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 AE, within 500 ft |
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 252 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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