4399 Rummell Rd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4399 Rummell Rd, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	3 Baths
Year Built	Built 1975
Square Footage	4,655 sqft Heated Area
Lot Size	43,560 sqft (1 acres)
Garage	Finished, 546 sqft
Pool	480 sqft
Occupancy	Owner Occupied
Tax Bill	$4,545.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`3625304620000A0150`
Alternative APN	`76439`

Interior

Full Baths	3 Baths
Building Area	4,655 sqft Heated Area
Gross Area	5,522 sqft Gross Area
1st Floor	2,599 sqft 1st Floor
Upper Floors	1,110 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1975
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	43,560 sqft (1 acres)
Depth X Width	435 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	546 sqft Garage

Exterior Amenities

Pool Area	480 sqft Pool
Shed	1 Shed
Shed Area	90 sqft Shed
Deck Area	2,056 sqft Deck
Porch	Enclosed Porch
Porch Area	1,267 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	76439
Street Address	4399 RUMMELL RD
City	SAINT CLOUD
State	FL
Zip	34769-1705
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	OSCEOLA SHORES PB 1 PG 320-A BLK A LOT 15
Legal Range	30E
Legal Township	25S
Legal Section	36
Legal Subdivision	OSCEOLA SHORES
Legal Tract	4620
Legal Block	A
Legal Lot Number	15
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2029
Census Tract	43600

Owner

Source: Osceola County records · APN 3625304620000A0150

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	2715 SE 28TH ST, OCALA, FL 34471-0811
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 1975
Deed Sale	May 01, 1975
Deed Doc Number	0000693195
Record Refreshed	Jun 08, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4399 RUMMELL RD, SAINT CLOUD, FL 34769-1705
Document Number	0055562135
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4399 RUMMELL RD ST CLOUD FL 347691705, ST CLOUD, FL 34769-1705

Mortgage

Document Number	0055562135
Date	Jul 15, 2019
Book Page	005556/002135
Instrument	90423

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 14, 2044

Interest

Rate Type	Adjustable Rate

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	$4,545.00 (+4.89%) Homeowner's exemption	$317,509 (+2.9%)	$550,300 (+0.75%) Land $117,000 Building $433,300
2024	$4,333.00 (+2.1%) Homeowner's exemption	$308,561 (+3%)	$546,200 (+1.94%) Land $117,000 Building $429,200
2023	$4,244.00 (+4.02%) Homeowner's exemption	$299,574 (+3%)	$535,800 (+14%) Land $117,000 Building $418,800
2022	$4,080.00 Homeowner's exemption	$290,849	$470,000 Land $117,000 Building $353,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.0 ft

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 20% of Florida
Wildfire Likelihood	About 1 in 1,020 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.