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4425 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4425 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,223 sqft · built 2022
Lot Size0.74 acres (32,234 sqft)
Owner2 Individual Names on Record
Last Sale$575,000 (Aug 2022)
Tax Bill$712 (2025)
Deeds & MortgagesAug 2022 Transfer
Aug 2022 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN36-26-30-5090-0001-0310

Property Details

APN / Parcel Number

Primary APN36-26-30-5090-0001-0310
Alternative APNs
  • 263036509000010310
  • 88947

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,223 sqft Living Area
Gross Area3,147 sqft
1st Floor Area2,223 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area32,234 sqft (0.74 acres)
Garage TypeAttached
Garage Area489 sqft
PorchFinished/Open Porch
Porch Area16 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address4425 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-7352
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAR2
Legal DescriptionST CLOUD MANOR EST UNIT 3 PB 1 PG 413 COM AT NE COR OF LOT 31, N89-57-51W 107.16 FT, S00-43-25E 304.64 FT, S89-53-04E 106.96 FT, N00-41-08W 304.78 FT TO POB
Legal Range30E
Legal Township26S
Legal Section36
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 3
Legal Tract5090
Legal Block310
Legal Lot Number31
Legal Unit3P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1046
Census Tract43304

Owner

Source: Osceola County records, as of January 12, 2026

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 Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2022Correction Deed
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Aug 31, 2022Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC
Aug 4, 2022Warranty Deed, Transfer · VA Mortgage
ROCKET MORTGAGE LLC
Sep 24, 2020Warranty Deed, Transfer
AMERICAS TITLE
Oct 30, 2016Loan Modification, Mortgage

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 4, 2022 · Amount on Record
Deed SaleAug 4, 2022 · Amount on Record
Prior SaleSep 24, 2020 · Amount on Record
Deed Document Number2022120291
Deed Book / Page6264 / 608
Last Transfer DateAug 11, 2022
Transfer Doc0062790296
Record UpdatedSep 20, 2026

August 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateAug 31, 2022
Property Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0062790296
Book / Page6279 / 296
Instrument DateAug 11, 2022
Instrument2022133726
Record UpdatedJan 22, 2024
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address4203 STORY RD, SAINT CLOUD, FL 34772-9099

Transferred To (Grantee/Buyer)

NameVerified Name
Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 31, 2022
Property Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0062790294
Book / Page6279 / 294
Map ReferenceMB 1 PG 413
Instrument DateAug 10, 2022
Instrument2022133725
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352

Transferred To (Grantee/Buyer)

NameVerified Name
Address4203 STORY RD, SAINT CLOUD, FL 34772-9099

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 4, 2022
Property Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0062640608
Book / Page6264 / 608
Map ReferenceMB 1 PG 413
Instrument DateAug 1, 2022
Instrument2022120291
Transaction TypeTransfer
Record UpdatedJan 22, 2024
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,025.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4203 STORY RD, SAINT CLOUD, FL 34772-9099

Transferred To (Grantee/Buyer)

NameVerified Name
Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352

Mortgage

Document Number0006264610
DateAug 4, 2022
Instrument6264/610
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 24, 2020
Property Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0057992795
Book / Page005799 / 002795
Instrument DateSep 23, 2020
Instrument128427
Transaction TypeTransfer
Record UpdatedOct 21, 2020
Title CompanyAMERICAS TITLE

Transaction

AmountAmount Recorded
Tax$980.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4203 STORY RD ST CLOUD FL 347729099, ST CLOUD, FL 34772-9099

October 2016: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4425 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0053000461
Instrument DateOct 30, 2016
Transaction TypeMortgage
Record UpdatedApr 5, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address4425 CITRUS DR ST CLOUD FL 347727352, ST CLOUD, FL 34772-7352

Tax Assessment & Valuation

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$712.00 (+12.84%) Homeowner's exemption Veteran's exemption$340,763 (+5.99%)$374,100 (+7.62%) Land $50,000 Building $324,100
2024$631.00 (+1.61%)
2023$621.00 (-43.24%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$321,515 (+703.79%)$347,600 (+769%) Land $40,000 Building $307,600
2022$1,094.00$40,000 Land $40,000$40,000 Land $40,000

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

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 A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 58% of the US · lower than 69% of Florida
Wildfire Likelihood0.2% 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 50 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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