Osceola County property record for 4442 Rummell Rd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,490 sqft · built 1991 |
| Lot Size | 0.251 acres (10,977 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $196,000 (Sep 2020) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 0126304920000A0230 |
| Primary APN | 0126304920000A0230 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,490 sqft Heated Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,490 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,977 sqft (0.251 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 296 sqft |
| Patio Area | 22 sqft |
| Fence | Fence |
| Boat Access | Boat Access |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80989 |
|---|---|
| Street Address | 4442 RUMMELL RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS3 |
| Legal Description | RUNNYMEDE SHORES PB 1 PG 383 BLK A LOT 23 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | RUNNYMEDE SHORES |
| Legal Tract | 4920 |
| Legal Block | A |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4442 RUMMELL RD, SAINT CLOUD, FL 34769-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Sep 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Sep 24, 2001 · Amount on Record |
| Deed Document Number | 2020122627 |
| Deed Book / Page | 5793 / 923 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4442 RUMMELL RD, SAINT CLOUD, FL 34769-1704 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4442 RUMMELL RD, SAINT CLOUD, FL 34769-1704 |
| Document Number | 0062911656 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 6291/1656 |
| Instrument | 2022144957 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jul 25, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 4442 RUMMELL RD, SAINT CLOUD, FL 34769-1704 |
| Document Number | 0057930923 |
| Book / Page | 5793 / 923 |
| Map Reference | MB 1 PG 383 |
| Instrument Date | Sep 10, 2020 |
| Instrument | 2020122627 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | HOME OWNERS TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4425 RUMMELL RD, 4425, SAINT CLOUD, FL 34769-1700 |
| Name | Verified Name |
|---|---|
| Address | 4442 RUMMELL RD, SAINT CLOUD, FL 34769-1704 |
| Document Number | 0005793925 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 5793/925 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,102.00 (+6.45%) Homeowner's exemption | $216,207 (+5.99%) | $319,100 (+9.73%) Land $69,600 Building $249,500 |
| 2023 | $2,914.00 (+3.7%) Homeowner's exemption | $203,995 (+3%) | $290,800 (+25.08%) Land $64,200 Building $226,600 |
| 2022 | $2,810.00 Homeowner's exemption | $198,054 | $232,500 Land $48,200 Building $184,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 5 (2016–2022) |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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