4301 Story Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4301 Story Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,440 sqft · built 1978
Lot Size	8.44 acres (368,082 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Apr 2023)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`99389`

Property Details

APN / Parcel Number

Primary APN	`99389`
Alternative APN	`052731495000011200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,440 sqft Heated Area
Gross Area	1,935 sqft
1st Floor Area	1,440 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1978
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	368,082 sqft (8.44 acres)

Exterior Amenities

Pool House	255 sqft
Porch	Finished/Screened Porch
Porch Area	240 sqft
Stable	504 sqft
Utility Building	128 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	99389
Street Address	4301 STORY RD
City	SAINT CLOUD
State	FL
Zip	34772-9000
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 31 LOTS 120 & 121 LYING W OF CANAL C-33
Legal Range	31E
Legal Township	27S
Legal Section	05
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	120-121 121
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43205

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
Mailing Address	4301 STORY RD, SAINT CLOUD, FL 34772-9000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Deed Document Number	2023041282
Deed Book / Page	6385 / 2496
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2023
Property Address	4301 STORY RD, SAINT CLOUD, FL 34772-9000
Document Number	0063852496
Book / Page	6385 / 2496
Map Reference	MB B PG 31
Instrument Date	Apr 7, 2023
Instrument	2023041282
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4120 TUCKER AVE, SAINT CLOUD, FL 34772-8111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 STORY RD, SAINT CLOUD, FL 34772-9000

Mortgage

Document Number	0063852498
Date	Apr 11, 2023
Instrument	6385/2498

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	$4,631.00 (+323.31%) Homeowner's exemption	$323,700 (+219.9%) Land $177,600 Building $146,100	$323,700 (+3.78%) Land $177,600 Building $146,100
2023	$1,094.00 (+3.11%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$101,187 (+3%)	$311,900 (+20.52%) Land $165,800 Building $146,100
2022	$1,061.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed	$98,240	$258,800 Land $165,800 Building $93,000

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
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	High above 79% of the US · above 67% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30