4355 Lake Gentry Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4355 Lake Gentry Rd, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 3,173 sqft · built 2024
Lot Size4.91 acres (213,879 sqft)
Owner2 Individual Names on File
Last Sale$1,200,000 (Apr 2026)
Tax Bill$9,388 (2025)
Deeds & MortgagesSep 2024 Line of Credit
Apr 2026 Sale & Mortgage
+ 6 more
Flood ZoneZone X (moderate risk)
APN04-27-31-4950-0001-1080

Property Details

APN / Parcel Number

Primary APN04-27-31-4950-0001-1080
Alternative APN
  • 273104495000011080

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,173 sqft Living Area
Gross Area5,067 sqft
1st Floor Area3,173 sqft
FlooringWood

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area213,879 sqft (4.91 acres)
Garage TypeAttached
Garage Area975 sqft

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchFlorida Room
Deck Area1,350 sqft

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address4355 LAKE GENTRY RD
CitySAINT CLOUD
StateFL
Zip34772-9046
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 30 LOT 108
Legal Range31E
Legal Township27S
Legal Section04
Legal SubdivisionS L & I C
Legal Block1080
Legal Lot Number108
JurisdictionOSCEOLA FL
Township / Civil DivisionSOUTH AND EAST OSCEOLA
Census Block Group1
Census Block1014
Census Tract43802

Owner

4355 Lake Gentry Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Osceola County records, as of July 2, 2026

Owner of Record2 Individual Names on File
Mailing Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 10, 2024Deed of Trust, Mortgage · Line of Credit
SOUTHSTAR BANK SSB
Apr 7, 2026Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FIRM
Apr 7, 2026Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FIRM
May 31, 2024Quit Claim Deed, Transfer
ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Jun 30, 2023Warranty Deed, Transfer
ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Apr 30, 2021Special Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Aug 11, 2020Grant Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Sep 24, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 7, 2026 · Amount on File
Deed SaleApr 7, 2026 · Amount on File
Prior SaleJun 30, 2023 · Amount on File
Deed Document Number202646406
Deed Book / Page6951 / 2007
Prior Transfer DateMay 31, 2024
Prior Transfer Doc0066092236
Record UpdatedSep 20, 2026

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Transaction TypeMortgage
Record UpdatedApr 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

Mortgage

Document Number0066620750
DateSep 10, 2024
Book Page6662/750
Instrument2024115971
Lender
NameSOUTHSTAR BANK SSB
TypeBank
AddressKISSIMMEE, FL 34743
Agreement
TypeLine of Credit
AmountAmount on Record
Term58 Months
DueJul 20, 2029
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 7, 2026
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number0000046406
Book / Page6951 / 2007
Instrument DateApr 3, 2026
Instrument202646406
Transaction TypeTransfer
Record UpdatedApr 17, 2026
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$848,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

Mortgage

Document Number0000046407,
DateApr 7, 2026
Instrument202646407
Lender
NameMORTGAGE FIRM
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMay 1, 2041
Interest
Rate TypeFixed Rate
Rate5.35%
Initial TypeFixed Rate
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 7, 2026
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number0069512007
Book / Page6951 / 2007
Instrument DateApr 3, 2026
Instrument202646406
Transaction TypeTransfer
Record UpdatedJul 2, 2026
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$848,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

Mortgage

Document Number0000046407,
DateApr 7, 2026
Instrument202646407
Lender
NameMORTGAGE FIRM
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMay 1, 2041
Interest
Rate TypeFixed Rate
Rate5.35%
Initial TypeFixed Rate
Max Rate-1%

May 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 31, 2024
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number0066092236
Book / Page6609 / 2236
Map ReferenceMB B PG 30
Instrument DateMay 31, 2024
Instrument2024072062
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

Transferred To (Grantee/Buyer)

NameVerified Name
Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 30, 2023
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number0064332384
Book / Page6433 / 2384
Map ReferenceMB B PG 30
Instrument DateJun 29, 2023
Instrument2023085016
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount on Record
Tax$3,605.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address1002 TEMPLE GRV, WINTER PARK, FL 32789-2788

Transferred To (Grantee/Buyer)

NameVerified Name
Address2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833

April 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2021
Property Address4355 LAKE GENTRY RD, SAINT CLOUD, FL 34772-9046
Document Number0059481314
Book / Page5948 / 1314
Map ReferenceMB B PG 30
Instrument DateApr 29, 2021
Instrument2021066505
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
Tax$3,255.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address336 W MORSE BLVD # BLVD101, BLVD101, WINTER PARK, FL 32789-4294

Transferred To (Grantee/Buyer)

NameVerified Name
Address1002 TEMPLE GRV, WINTER PARK, FL 32789-2788

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 11, 2020
Property AddressLAKE GENTRY RD, SAINT CLOUD, FL 34772
Document Number0057721415
Book / Page005772 / 001415
Instrument DateAug 11, 2020
Instrument105643
Transaction TypeTransfer
Record UpdatedSep 3, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

AmountAmount on Record
Tax$1,330.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address336 W MORSE BLVD #101 WINTER PARK FL 327894294, 101, WINTER PARK, FL 32789-4294

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateSep 24, 2018
Property AddressLAKE GENTRY RD, SAINT CLOUD, FL 34772
Document Number0054051664
Book / Page005405 / 001664
Instrument DateSep 19, 2018
Instrument143160
Transaction TypeTransfer
Record UpdatedOct 8, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address6301 OAK SHORE DR ST CLOUD FL 347718642, ST CLOUD, FL 34771-8642

Tax Assessment & Valuation

The 2025 property tax bill for 4355 Lake Gentry Rd was $9,388, up 86.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,388.00 (+86.38%)$667,097$786,300 Land $319,200 Building $467,100
2024$5,037.00 (+57.55%)
2023$3,197.00 (+47.8%)$319,200 (+106.33%) Land $319,200$319,200 (+106.33%) Land $319,200
2022$2,163.00$154,700 Land $154,700$154,700 Land $154,700

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

Flood

FEMA maps place 4355 Lake Gentry Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 110 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 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

Wildfire risk around 4355 Lake Gentry Rd is high, ranking above 88% of the US, with a 1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 88% of the US · above 82% of Florida
Wildfire Likelihood1% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 2 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite
280 / 30
CenturyLink
DSL
10 / 1

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