4325 Lake Gentry Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4325 Lake Gentry Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,932 sqft · built 2020
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Dec 2018)
Tax Bill	$7,381 (2025)
Deeds & Mortgages	May 2019 Construction Loan May 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-27-31-4950-0001-1020`

Property Details

APN / Parcel Number

Primary APN	`04-27-31-4950-0001-1020`
Alternative APN	`273104495000011020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,932 sqft Living Area
Gross Area	4,922 sqft
1st Floor Area	2,932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	213,444 sqft (4.9 acres)
Garage Type	Attached
Garage Area	792 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	50 sqft
Porch	Finished/Open Porch
Deck Area	444 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4325 LAKE GENTRY RD
City	SAINT CLOUD
State	FL
Zip	34772-9046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 30 LOT 102
Legal Range	31E
Legal Township	27S
Legal Section	04
Legal Subdivision	S L & I C
Legal Block	1020
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1014
Census Tract	43802

Owner

Source: Osceola County records, as of November 26, 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	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
May 7, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 15, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 27, 2020	Loan Modification, Mortgage CENTENNIAL BK
Dec 28, 2018	Warranty Deed, Transfer · Commercial Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on Record
Deed Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	2018188741
Deed Book / Page	5455 / 2643
Last Transfer Date	Jul 14, 2021
Transfer Doc	0060022402
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055180457
Date	May 2, 2019
Book Page	5518/0457
Instrument	2019056788

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	11%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

Mortgage

Document Number	0059530693
Date	May 7, 2021
Book Page	5953/693
Instrument	2021070519

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 21, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2021
Property Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number	0060022402
Book / Page	6002 / 2402
Map Reference	MB B PG 30
Instrument Date	Jul 14, 2021
Instrument	2021109806
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number	0057310954
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4325 LAKE GENTRY RD ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	0057310954
Date	Jun 3, 2020
Book Page	005731/000954
Instrument	71138

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2018
Property Address	4325 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number	0054552643
Book / Page	5455 / 2643
Map Reference	MB B PG 30
Instrument Date	Dec 27, 2018
Instrument	2018188741
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 WAX MYRTLE LN, 103, LONGWOOD, FL 32779-4926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9180 CONCORD RD, SAINT CLOUD, FL 34773-9254

Mortgage

Document Number	2018188742
Date	Dec 28, 2018
Instrument	2018188742

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 27, 2023

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,381.00 (+4.27%) Homeowner's exemption	$522,204 (+15.52%)	$658,400 (-9.07%) Land $254,800 Building $403,600
2024	$7,079.00 (+11.08%)
2023	$6,373.00 (+3.64%) Homeowner's exemption	$452,027 (+3%)	$724,100 (+38.85%) Land $254,800 Building $469,300
2022	$6,149.00 Homeowner's exemption	$438,862	$521,500 Land $123,500 Building $398,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 110 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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 87% of the US · above 79% of Florida
Wildfire Likelihood	0.9% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3

May also be available: AT&T.

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