Osceola County property record for 4441 Deer Run Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,509 sqft · built 2013 |
| Lot Size | 2.19 acres (95,396 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (May 2012) |
| Tax Bill | $4,238 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-26-30-5090-0001-0635 |
| Primary APN | 36-26-30-5090-0001-0635 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,509 sqft Living Area |
| Gross Area | 3,293 sqft |
| 1st Floor Area | 1,673 sqft |
| Upper Floors Area | 836 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 95,396 sqft (2.19 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 248 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 196 sqft |
| Deck Area | 727 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4441 DEER RUN RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD MANOR EST UNIT 3 PB 1 PG 413 E 1/2 OF LOT 63 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 36 |
| Legal Subdivision | ST CLOUD MANOR ESTATES UNIT 3 |
| Legal Tract | 5090 |
| Legal Block | 635 |
| Legal Lot Number | 63 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 43304 |
Source: Osceola County records · APN 36-26-30-5090-0001-0635
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 422427, KISSIMMEE, FL 34742-2427 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Jan 04, 2021 | Deed of Trust, Mortgage · SBA Mortgage VALLEY BANK |
| Aug 08, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU |
| Aug 07, 2019 | Loan Modification, Mortgage · Line of Credit TRUSTCO BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2012 · Amount on Record |
| Deed Sale | May 15, 2012 · Amount on Record |
| Prior Sale | Aug 31, 1999 · Amount on Record |
| Deed Document Number | 201271486 |
| Deed Book / Page | 4269 / 1231 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Document Number | 0062100274 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 6210/274 |
| Instrument | 2022073203 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 04, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Document Number | 0058632450 |
|---|---|
| Date | Jan 04, 2021 |
| Book Page | 5863/2450 |
| Instrument | 2021000303 |
| Name | VALLEY BANK |
|---|---|
| Type | Bank |
| Address | CLEARWATER, FL 33762 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 311 Months |
| Due | Dec 18, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Document Number | 0066470235 |
|---|---|
| Date | Aug 08, 2024 |
| Book Page | 6647/235 |
| Instrument | 2024103063 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 07, 2039 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4441 DEER RUN RD, SAINT CLOUD, FL 34772-8053 |
| Document Number | 0055772699 |
| Instrument Date | Aug 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4441 DEER RUN RD ST CLOUD FL 347728053, ST CLOUD, FL 34772-8053 |
| Document Number | 0055772699 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 005577/002699 |
| Instrument | 109119 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 16% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,238.00 (+5%) Homeowner's exemption | $295,315 (+5.99%) | $537,200 (+3.63%) Land $110,600 Building $426,600 |
| 2024 | $4,036.00 (+2.13%) | ||
| 2023 | $3,952.00 (+4.11%) Homeowner's exemption | $278,634 (+3%) | $518,400 (+17.52%) Land $109,500 Building $408,900 |
| 2022 | $3,796.00 Homeowner's exemption | $270,519 | $441,100 Land $87,600 Building $353,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 50 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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