Osceola County property record for 4301 Neptune Rd, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | 2,160 sqft · built 1986 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Owner Name on File |
| Last Sale | $170,000 (Feb 2013) |
| Tax Bill | $3,953 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82346 |
| Primary APN | 82346 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 4 Plumbing Fixtures |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,160 sqft Heated Area |
| Gross Area | 2,223 sqft |
| 1st Floor Area | 2,160 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum Siding |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Footing |
| Roof Type | Wood Truss |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82346 |
|---|---|
| Street Address | 4301 NEPTUNE RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6746 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Legal Description | PALAMAR OAKS VILLAS 2 CB 2 PG 16 UNIT 4301 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 411 |
| Legal Block | 1 |
| Legal Lot Number | 430 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82346
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 | Owner Name on File |
|---|---|
| Mailing Address | 4301 NEPTUNE RD, SAINT CLOUD, FL 34769-6746 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Nov 05, 2018 | Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Last Sale | Feb 07, 2013 · Amount on Record |
|---|---|
| Deed Sale | Feb 07, 2013 · Amount on Record |
| Deed Document Number | 2013021181 |
| Deed Book / Page | 4392 / 2177 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4301 NEPTUNE RD, SAINT CLOUD, FL 34769-6746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5320 ALLIGATOR LAKE RD, SAINT CLOUD, FL 34772-9320 |
| Document Number | 0065510208 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | 6551/208 |
| Instrument | 2024020944 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32837 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4301 NEPTUNE RD, SAINT CLOUD, FL 34769-6746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLASSIC TITLE & SOLUTION INC |
| Name | Verified Name |
|---|
| Document Number | 0054291200 |
|---|---|
| Date | Nov 05, 2018 |
| Book Page | 5429/1200 |
| Instrument | 2018164749 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | 33833 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,953.00 (+32.78%) | $284,400 (+61.13%) Building $284,400 | $284,400 (+61.13%) Building $284,400 |
| 2023 | $2,977.00 (+12.68%) | $176,500 (+19.02%) Building $176,500 | $176,500 (+19.02%) Building $176,500 |
| 2022 | $2,642.00 | $148,300 Building $148,300 | $148,300 Building $148,300 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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