4220 Tucker Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4220 Tucker Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,618 sqft · built 2024
Lot Size	2.4 acres (104,762 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jul 2023)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062731495000010785`

Property Details

APN / Parcel Number

Primary APN	`062731495000010785`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,618 sqft Heated Area
Gross Area	4,153 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,762 sqft (2.4 acres)
Garage Type	Finished
Garage Area	900 sqft
Porch	Open Porch
Porch Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4220 TUCKER AVE
City	SAINT CLOUD
State	FL
Zip	34772-8164
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 32 LOT 78 LESS N 165 FT & LESS E 7.5 FT
Legal Lot Number	78
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

4220 Tucker Ave is owned and occupied by an individual who bought it in July 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	4220 TUCKER AVE, SAINT CLOUD, FL 34772-8164
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on File
Deed Sale	Jul 31, 2023 · Amount on File
Deed Document Number	2023098698
Deed Book / Page	6449 / 771
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2023
Property Address	4220 TUCKER AVE, SAINT CLOUD, FL 34772-8164
Document Number	0064490771
Book / Page	6449 / 771
Map Reference	MB B PG 32
Instrument Date	Jul 28, 2023
Instrument	2023098698
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3825 CANOE CREEK RD, SAINT CLOUD, FL 34772-7437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5655 BARLETTA DR, SAINT CLOUD, FL 34771-9125

Mortgage

Document Number	0006449773
Date	Jul 31, 2023
Instrument	6449/773

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

Tax Assessment & Valuation

The 2025 property tax bill for 4220 Tucker Ave was $7,078 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,078.00 Homeowner's exemption Widower's exemption	$505,346	$635,600 Land $156,300 Building $479,300
2023	$12.00 (+1%)	$900 (+8%) Land $900	$48,200 (-)
2022	$6.00	$500 Land $500	$48,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4220 Tucker Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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.

Wildfire

Wildfire risk around 4220 Tucker Ave is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20