4319 Neptune Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4319 Neptune Rd, Saint Cloud, FL 34769 · Last verified February 2026

Property Summary

Property Type	Other Improved
Details	5,368 sqft · built 1992
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on File
Last Sale	$700,000 (Dec 2015)
Tax Bill	$8,688 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`82122`

Property Details

APN / Parcel Number

Primary APN	`82122`
Alternative APN	`042630004100010030`

Interior

Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,368 sqft Heated Area
Gross Area	5,440 sqft
1st Floor Area	4,654 sqft
Upper Floors Area	714 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	150 ft deep x 110 ft wide
Porch	Porch
Porch Area	128 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82122
Street Address	4319 NEPTUNE RD
City	SAINT CLOUD
State	FL
Zip	34769-6746
Property Category	Other
Property Type	Other > Other Improved
Legal Description	PALAMAR PARK PB 1 PG 107 BEG AT SE COR OF SW 1/4 OF SE 1/4, N 864.69 FT, E 62.03 FT TO POB; CONT E 107.97 FT, S 150 FT, W
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	ST CLOUD
Legal Tract	41
Legal Block	1
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 82122

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	Company Name on File
Mailing Address	4319 NEPTUNE RD, SAINT CLOUD, FL 34769-6746
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 07, 2015 · Amount on Record
Deed Sale	Dec 07, 2015 · Amount on Record
Prior Sale	Jan 09, 2004 · Amount on Record
Deed Document Number	2015180437
Deed Book / Page	4881 / 0951
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4319 NEPTUNE RD, SAINT CLOUD, FL 34769-6746
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4319 NEPTUNE RD, SAINT CLOUD, FL 34769-6746

Mortgage

Document Number	0059380219
Date	Apr 19, 2021
Book Page	5938/219
Instrument	2021058585

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2036

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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

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	$8,688.00 (+3.86%)	$485,400 (+3.56%) Land $188,200 Building $297,200	$485,400 (+3.56%) Land $188,200 Building $297,200
2024	$8,365.00 (+7.33%)	$468,700 (+8.29%) Land $168,600 Building $300,100	$468,700 (+8.29%) Land $168,600 Building $300,100
2023	$7,794.00 (+3.3%)	$432,800 (+3.37%) Land $129,600 Building $303,200	$432,800 (+3.37%) Land $129,600 Building $303,200
2022	$7,545.00	$418,700 Land $112,800 Building $305,900	$418,700 Land $112,800 Building $305,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.