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4445 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4445 Citrus Dr, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,656 sqft · built 2009
Lot Size1.37 acres (59,677 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Sep 2015)
Tax Bill$712 (2025)
Deeds & MortgagesApr 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN36-26-30-5090-0001-0320

Property Details

APN / Parcel Number

Primary APN36-26-30-5090-0001-0320
Alternative APNs
  • 263036509000010320
  • 88949

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,656 sqft Living Area
Gross Area3,305 sqft
1st Floor Area2,337 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area59,677 sqft (1.37 acres)
Garage TypeAttached
Garage Area567 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area401 sqft
Shed1 Shed
Shed Area121 sqft
Stable144 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4445 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-7352
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST UNIT 3 PB 1 PG 413 BEG AT SE COR OF LOT 32, N89-15-50W 349.794 FT, N00-05-10W 305 FT, S89-15-50E 350.252 FT, S 305 FT TO POB LESS N 132 FT & LESS E 5 FT
Legal Range30E
Legal Township26S
Legal Section36
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 3
Legal Tract5090
Legal Block320
Legal Lot Number32
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1046
Census Tract43304

Owner

Source: Osceola County records · APN 36-26-30-5090-0001-0320

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address4445 CITRUS DR, SAINT CLOUD, FL 34772-7352
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 24, 2015 · Amount on Record
Deed SaleSep 24, 2015 · Amount on Record
Prior SaleJun 14, 2005 · Amount on Record
Deed Document Number2015142063
Deed Book / Page4845 / 2875
Prior Transfer DateJul 31, 2015
Prior Transfer Doc0048452871
Record UpdatedSep 20, 2026

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4445 CITRUS DR, SAINT CLOUD, FL 34772-7352
Document Number0051410541
Book / Page005141 / 000541
Instrument DateApr 19, 2017
Transaction TypeMortgage
Record UpdatedJun 26, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4445 CITRUS DR ST CLOUD FL 347727352, ST CLOUD, FL 34772-7352

Mortgage

Document Number0051410541
DateMay 02, 2017
Book Page005141/000541
Instrument64687
Lender
NameMAJESTIC HM LNS
TypeFunding / Finance Company
AddressONTARIO, CA 91761
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+12.84%) Homeowner's exemption Veteran's exemption$269,792 (-5.25%)$468,000 (-7.07%) Land $69,200 Building $398,800
2024$631.00 (-84.09%)
2023$3,967.00 (+4.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$284,747 (+3%)$503,600 (+19.2%) Land $122,500 Building $381,100
2022$3,809.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$276,454$422,500 Land $98,000 Building $324,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 58% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 457 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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