Osceola County property record for 4320 Mildred Bass Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,760 sqft · built 1983 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $144,900 (Mar 2001) |
| Tax Bill | $4,505 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jan 2020 Line of Credit + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 89363 |
| Primary APN | 89363 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,760 sqft Heated Area |
| Gross Area | 4,475 sqft |
| 1st Floor Area | 2,184 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Detached - Unfinished |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 515 sqft |
| Patio Area | 450 sqft |
| Utility Building | 130 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89363 |
|---|---|
| Street Address | 4320 MILDRED BASS RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA1A |
| Legal Description | S L & I C PB B PG 37 A PORTION OF LOT 5: BEG 30 FT S & 30 FT W OF N 1/4 COR, W 160 FT, S 275 FT, E 160 FT, N 275 FT TO POB |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | D |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43205 |
Source: Osceola County records · APN 89363
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 10, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 15, 2019 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Jun 11, 2018 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2001 · Amount on Record |
| Deed Sale | Mar 28, 2001 · Amount on Record |
| Deed Document Number | 0185400077 |
| Deed Book / Page | 01854 / 00077 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Document Number | 0062870988 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 6287/988 |
| Instrument | 2022141115 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056560663 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 5656/0663 |
| Instrument | 2020005165 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Document Number | 0055591209 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4320 MILDRED BASS RD ST CLOUD FL 347729315, ST CLOUD, FL 34772-9315 |
| Document Number | 0055591209 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 005559/001209 |
| Instrument | 93060 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4320 MILDRED BASS RD, SAINT CLOUD, FL 34772-9315 |
| Document Number | 0053662511 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4320 MILDRED BASS RD ST CLOUD FL 347729315, ST CLOUD, FL 34772-9315 |
| Document Number | 0053662511 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 005366/002511 |
| Instrument | 107570 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2048 |
| Rate | 4.25% |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $4,505.00 (+4.82%) Homeowner's exemption | $177,724 (+5.99%) | $362,200 (+6.25%) Land $60,000 Building $302,200 |
| 2023 | $4,298.00 (+87.69%) Homeowner's exemption | $167,686 (+3%) | $340,900 (+14.74%) Land $50,000 Building $290,900 |
| 2022 | $2,290.00 Homeowner's exemption | $162,802 | $297,100 Land $50,000 Building $247,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| 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 |
|
| Wildfire Risk | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 30 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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