4240 Gold Rush Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4240 Gold Rush Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1996
Lot Size	0.221 acres (9,670 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Mar 2021)
Tax Bill	$4,391 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85423`

Property Details

APN / Parcel Number

Primary APN	`85423`
Alternative APN	`162630057500010620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Heated Area
Gross Area	1,965 sqft
1st Floor Area	1,560 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,670 sqft (0.221 acres)
Lot Dimensions	115 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	25 sqft
Patio Area	160 sqft
Fence	Fence
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85423
Street Address	4240 GOLD RUSH LN
City	SAINT CLOUD
State	FL
Zip	34772-7699
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 62
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	575
Legal Block	1
Legal Lot Number	62
Legal Unit	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage ABSOLUTE HOME MORTGAGE CORP
Nov 16, 2018	Warranty Deed, Transfer CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	2021043720
Deed Book / Page	5919 / 517
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699

Mortgage

Document Number	0064972935
Date	Oct 31, 2023
Book Page	6497/2935
Instrument	2023143351

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 24, 2021
Property Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699
Document Number	0059190517
Book / Page	5919 / 517
Map Reference	MB 7 PG 146&147
Instrument Date	Mar 19, 2021
Instrument	2021043720
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MCT TITLE SERVICES LLC, CITY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699

Mortgage

Document Number	0005919519
Date	Mar 24, 2021
Instrument	5919/519

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2018
Property Address	4240 GOLD RUSH LN, SAINT CLOUD, FL 34772-7699
Document Number	0054342307
Book / Page	005434 / 002307
Instrument Date	Nov 16, 2018
Instrument	169689
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 GOLD RUSH LN ST CLOUD FL 347727699, ST CLOUD, FL 34772-7699

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	$4,391.00 (+6.11%) Homeowner's exemption	$288,199 (+5.99%)	$309,300 (-2.46%) Land $75,000 Building $234,300
2023	$4,138.00 (+3.5%) Homeowner's exemption	$271,920 (+3%)	$317,100 (+20.11%) Land $65,000 Building $252,100
2022	$3,998.00 Homeowner's exemption	$264,000 Land $60,000 Building $204,000	$264,000 Land $60,000 Building $204,000

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	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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	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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: CenturyLink, Verizon, Xfinity.

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