4270 Quail Roost Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4270 Quail Roost Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,945 sqft · built 2018
Lot Size	1.07 acres (46,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jan 2016)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	Sep 2017 Construction Loan May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`157355`

Property Details

APN / Parcel Number

Primary APN	`157355`
Alternative APN	`012730495000010692`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,945 sqft Heated Area
Gross Area	2,589 sqft
1st Floor Area	1,945 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	46,740 sqft (1.07 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	160 sqft
Patio Area	630 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	157355
Street Address	4270 QUAIL ROOST RD
City	SAINT CLOUD
State	FL
Zip	34772-7431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 21 COM AT SE COR OF LOT 69, W 166.88 FT TO POB; W 154.38 FT, N 300.46 FT TO SLY R/W OF QUAIL ROOST RD, E
Legal Range	30E
Legal Township	27S
Legal Section	01
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	69
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43205

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4270 QUAIL ROOST RD, SAINT CLOUD, FL 34772-7431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
May 3, 2018	Loan Modification, Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2016 · Amount on Record
Deed Sale	Jan 19, 2016 · Amount on Record
Prior Sale	Dec 30, 2014 · Amount on Record
Deed Document Number	2016009135
Deed Book / Page	4901 / 1353
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4270 QUAIL ROOST RD, SAINT CLOUD, FL 34772-7431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052120941
Date	Sep 25, 2017
Book Page	5212/0941
Instrument	2017135448

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4270 QUAIL ROOST RD, SAINT CLOUD, FL 34772-7431
Document Number	0053370665
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4270 QUAIL ROOST RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	0053370665
Date	May 21, 2018
Book Page	005337/000665
Instrument	79888

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 20, 2038

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

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	$2,262.00 (+9.12%) Homeowner's exemption	$152,736 (+5.99%)	$394,800 (+6.21%) Land $73,200 Building $321,600
2023	$2,073.00 (+5.23%) Homeowner's exemption	$144,109 (+3%)	$371,700 (+16.81%) Land $56,900 Building $314,800
2022	$1,970.00 Homeowner's exemption	$139,912	$318,200 Land $50,700 Building $267,500

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 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

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.3% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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