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4401 Lake Trudy Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4401 Lake Trudy Dr, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,560 sqft · built 1979
Lot Size0.315 acres (13,721 sqft)
Owner2 Individual Names on Record
Last Sale$432,000 (Sep 2023)
Tax Bill$7,841 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Sep 2020 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN04-26-30-0906-0001-0270

Property Details

APN / Parcel Number

Primary APN04-26-30-0906-0001-0270
Alternative APNs
  • 263004090600010270
  • 82670

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area2,560 sqft Living Area
Gross Area4,056 sqft
1st Floor Area1,434 sqft
Upper Floors Area1,126 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1985
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,721 sqft (0.315 acres)
Lot Dimensions110 ft deep x 124 ft wide
Garage TypeAttached
Garage Area728 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area684 sqft
PorchFinished/Open Porch
Porch Area768 sqft
Deck Area770 sqft
Shed1 Shed
Shed Area60 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address4401 LAKE TRUDY DR
CitySAINT CLOUD
StateFL
Zip34769-1643
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionPINE LAKE ESTATES UNIT 4 PB 2 PG 146 LOT 27 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT 4
Legal Tract906
Legal Block1
Legal Lot Number27
Legal Unit4P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3022
Census Tract43208

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2023Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA
Sep 18, 2020Warranty Deed, Transfer
STEWART TITLE
Sep 18, 2020Correction Deed
STEWART TITLE
Jan 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
EQUITY RSRCS
Jul 12, 2018Warranty Deed, Transfer · Conventional Mortgage
TAYLOR MADE LENDING LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2023 · Amount on Record
Deed SaleSep 11, 2023 · Amount on Record
Prior SaleSep 18, 2020 · Amount on Record
Deed Document Number2023119191
Deed Book / Page6471 / 2821
Prior Transfer DateOct 15, 2019
Prior Transfer Doc0056062116
Record UpdatedJun 8, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 11, 2023
Property Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
Document Number0064712821
Book / Page6471 / 2821
Map ReferenceMB 2 PG 146
Instrument DateSep 7, 2023
Instrument2023119191
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyRED DOOR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,024.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3630 VEGA CREEK DR, SAINT CLOUD, FL 34772-8384

Transferred To (Grantee/Buyer)

NameVerified Name
Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643

Mortgage

Document Number0064712823
DateSep 11, 2023
Instrument6471/2823
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2053

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 18, 2020
Property Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
Document Number0057961805
Book / Page005796 / 001805
Instrument DateSep 18, 2020
Instrument125517
Transaction TypeTransfer
Record UpdatedOct 21, 2020
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$2,275.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4401 LAKE TRUDY DR ST CLOUD FL 347691643, ST CLOUD, FL 34769-1643

September 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateSep 18, 2020
Property Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
Document Number0057961804
Book / Page005796 / 001804
Instrument DateSep 17, 2020
Instrument125516
Record UpdatedOct 21, 2020
Title CompanySTEWART TITLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4401 LAKE TRUDY DR ST CLOUD FL 347691643, ST CLOUD, FL 34769-1643

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
Document Number0056622250
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedFeb 14, 2020
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4401 LAKE TRUDY DR ST CLOUD FL 347691643, ST CLOUD, FL 34769-1643

Mortgage

Document Number0056622250
DateJan 23, 2020
Book Page005662/002250
Instrument11534
Lender
NameEQUITY RSRCS
TypeFunding / Finance Company
AddressNEWARK, OH 43055
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 22, 2050

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 12, 2018
Property Address4401 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1643
Document Number0053652641
Book / Page005365 / 002641
Instrument DateJul 9, 2018
Instrument106551
Transaction TypeTransfer
Record UpdatedAug 16, 2018
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,023.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4401 LAKE TRUDY DR ST CLOUD FL 347691643, ST CLOUD, FL 34769-1643

Mortgage

Document Number53652642
DateJul 12, 2018
Book Page005365/002642
Instrument106552
Lender
NameTAYLOR MADE LENDING LLC
TypeBank
AddressFORT LAUDERDALE, FL 33334
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term24 Months
DueJul 11, 2020
Interest
Rate11.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,841.00 (-4.91%)$437,900 (+45.96%) Land $65,000 Building $372,900$437,900 (-3.38%) Land $65,000 Building $372,900
2024$8,246.00 (+77.56%)
2023$4,644.00 (+3.43%) Homeowner's exemption$300,022 (+3%)$453,200 (+15.52%) Land $60,000 Building $393,200
2022$4,490.00 Homeowner's exemption$291,284$392,300 Land $55,000 Building $337,300

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 in force

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 RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.1% 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 300 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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