4406 Lake Trudy Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4406 Lake Trudy Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,878 sqft · built 1979
Lot Size	0.469 acres (20,430 sqft)
Owner	Individual on Record
Last Sale	$255,000 (Jun 2019)
Tax Bill	$3,980 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82680`

Property Details

APN / Parcel Number

Primary APN	`82680`
Alternative APN	`042630090600010370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,878 sqft Heated Area
Gross Area	2,834 sqft
1st Floor Area	1,878 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,430 sqft (0.469 acres)
Lot Dimensions	202 ft deep x 106 ft wide
Garage Type	Finished
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	384 sqft
Deck Area	640 sqft
Patio Area	136 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82680
Street Address	4406 LAKE TRUDY DR
City	SAINT CLOUD
State	FL
Zip	34769-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	PINE LAKE ESTATES UNIT 4 PB 2 PG 146 LOT 37 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	906
Legal Block	1
Legal Lot Number	9,37 9
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3018
Census Tract	43208

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Mailing Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Sep 30, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 7, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Prior Sale	May 20, 2015 · Amount on Record
Deed Document Number	2019073285
Deed Book / Page	5536 / 2596
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639

Mortgage

Document Number	0060711046
Date	Oct 22, 2021
Book Page	6071/1046
Instrument	2021165161

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639

Mortgage

Document Number	0060550388
Date	Sep 30, 2021
Book Page	6055/388
Instrument	2021151824

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jun 1, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2019
Property Address	4406 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1639
Document Number	0055362596
Book / Page	005536 / 002596
Instrument Date	May 29, 2019
Instrument	73285
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4406 LAKE TRUDY DR ST CLOUD FL 347691639, ST CLOUD, FL 34769-1639

Mortgage

Document Number	55362598
Date	Jun 7, 2019
Book Page	005536/002598
Instrument	73286

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,980.00 (+6.19%) Homeowner's exemption	$265,248 (+5.99%)	$354,600 (-3.01%) Land $65,000 Building $289,600
2023	$3,748.00 (+3.56%) Homeowner's exemption	$250,266 (+3%)	$365,600 (+15.29%) Land $60,000 Building $305,600
2022	$3,619.00 Homeowner's exemption	$242,977	$317,100 Land $55,000 Building $262,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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