4340 Deer Run Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4340 Deer Run Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,680 sqft · built 1968
Lot Size	2.34 acres (102,322 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Feb 2005)
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Jun 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`88828`

Property Details

APN / Parcel Number

Primary APN	`88828`
Alternative APN	`362630495000010680`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Heated Area
Gross Area	3,076 sqft
1st Floor Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1973
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	102,322 sqft (2.34 acres)
Garage Type	Detached - Unfinished
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	428 sqft
Greenhouse	112 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88828
Street Address	4340 DEER RUN RD
City	SAINT CLOUD
State	FL
Zip	34772-8056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	S L & I C PB B PG 20 E1/2 LOT 68
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	68
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43205

Owner

Source: Osceola County records · APN 88828

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 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4340 DEER RUN RD, SAINT CLOUD, FL 34772-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2005 · Amount on Record
Deed Sale	Feb 24, 2005 · Amount on Record
Prior Sale	Nov 04, 2002 · Amount on Record
Deed Document Number	2005045573
Deed Book / Page	2710 / 2844
Record Updated	Jun 08, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4340 DEER RUN RD, SAINT CLOUD, FL 34772-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 DEER RUN RD, SAINT CLOUD, FL 34772-8056

Mortgage

Document Number	0066142842
Date	Jun 11, 2024
Book Page	6614/2842
Instrument	2024076833

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
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	$1,866.00 (+10.02%) Homeowner's exemption	$124,101 (+5.99%)	$334,000 (+13.84%) Land $152,700 Building $181,300
2023	$1,696.00 (+5.74%) Homeowner's exemption	$117,092 (+3%)	$293,400 (+12.89%) Land $118,600 Building $174,800
2022	$1,604.00 Homeowner's exemption	$113,682	$259,900 Land $105,700 Building $154,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies.

Based on FCC filings for 48 locations within half a mile of this property.

Drinking Water

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

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 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.