4223 Gold Rush Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4223 Gold Rush Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,389 sqft · built 1998
Lot Size	0.203 acres (8,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,900 (Nov 2018)
Tax Bill	$3,038 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85402`

Property Details

APN / Parcel Number

Primary APN	`85402`
Alternative APN	`162630057500010410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,389 sqft Heated Area
Gross Area	2,247 sqft
1st Floor Area	1,389 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,886 sqft (0.203 acres)
Lot Dimensions	119 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	417 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85402
Street Address	4223 GOLD RUSH LN
City	SAINT CLOUD
State	FL
Zip	34772-7703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT I PB 7 PGS 146-147 LOT 41
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	41
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	43208

Owner

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

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

Owner of Record	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	4223 GOLD RUSH LN, SAINT CLOUD, FL 34772-7703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 10, 2019	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Nov 28, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Nov 28, 2018 · Amount on Record
Deed Document Number	0054382720
Deed Book / Page	5438 / 2720
Last Transfer Date	Jul 25, 2025
Transfer Doc	0068250657
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4223 GOLD RUSH LN, SAINT CLOUD, FL 34772-7703
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 GOLD RUSH LN, SAINT CLOUD, FL 34772-7703

Mortgage

Document Number	0059832650
Date	Jun 18, 2021
Book Page	5983/2650
Instrument	2021095199

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4223 GOLD RUSH LN, SAINT CLOUD, FL 34772-7703
Document Number	0055742082
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4223 GOLD RUSH LN ST CLOUD FL 347727703, ST CLOUD, FL 34772-7703

Mortgage

Document Number	0055742082
Date	Aug 16, 2019
Book Page	005574/002082
Instrument	106211

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 28, 2018
Property Address	4223 GOLD RUSH LN, SAINT CLOUD, FL 34772-7703
Document Number	0054382720
Book / Page	5438 / 2720
Map Reference	MB7 PG146&147
Instrument Date	Nov 27, 2018
Instrument	2018173658
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,679.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3880 HUNTERS ISLE DR, 3880, ORLANDO, FL 32837-5811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14361 WISTFUL LOOP, ORLANDO, FL 32824-5661
Investor	Possibly a Property Investor

Mortgage

Document Number	2018173659
Date	Nov 28, 2018
Instrument	2018173659

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,038.00 (+6.45%) Homeowner's exemption	$212,628 (+5.99%)	$315,800 (-2.41%) Land $75,000 Building $240,800
2023	$2,854.00 (+3.78%) Homeowner's exemption	$200,618 (+3%)	$323,600 (+20.7%) Land $65,000 Building $258,600
2022	$2,750.00 Homeowner's exemption	$194,775	$268,100 Land $60,000 Building $208,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
CenturyLink Fiber	100 / 100

May also be available: Verizon.

Nearby Properties on Gold Rush Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures