Osceola County property record for 4445 Story Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,341 sqft · built 2008 |
| Lot Size | 4.92 acres (214,315 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $960,000 (Apr 2024) |
| Tax Bill | $7,129 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 06-27-31-4950-0001-1140 |
| Primary APN | 06-27-31-4950-0001-1140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,341 sqft Living Area |
| Gross Area | 4,014 sqft |
| 1st Floor Area | 3,341 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 214,315 sqft (4.92 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 648 sqft |
| Porch | Florida Room |
| Porch Area | 660 sqft |
| Deck Area | 912 sqft |
| Patio Area | 616 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4445 STORY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 32 LOT 114 LESS W 25 FT FOR RD R/W |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 1140 |
| Legal Lot Number | 114 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43205 |
4445 Story Rd is owned and occupied by two individuals who bought it in April 2024.
Source: Osceola County records, as of April 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4445 STORY RD, SAINT CLOUD, FL 34772-8918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION |
| Apr 26, 2024 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2024 · Amount on File |
| Deed Sale | Apr 26, 2024 · Amount on File |
| Prior Sale | Jul 12, 2018 · Amount on File |
| Deed Document Number | 202454283 |
| Deed Book / Page | 6589 / 2526 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 1, 2026 |
| Property Address | 4445 STORY RD, SAINT CLOUD, FL 34772-8918 |
| Document Number | 0000043640 |
| Book / Page | 6947 / 2945 |
| Instrument Date | Mar 23, 2026 |
| Instrument | 202643640 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | UNION HOME MORTGAGE |
| Name | Verified Name |
|---|---|
| Address | 4445 STORY RD, SAINT CLOUD, FL 34772-8918 |
| Investor | Possibly a Property Investor |
| Document Number | 0000043640, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 6947/2945 |
| Instrument | 202643640 |
| Name | NATIONAL HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.35% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2024 |
| Property Address | 4445 STORY RD, SAINT CLOUD, FL 34772-8918 |
| Document Number | 0065892526 |
| Book / Page | 6589 / 2526 |
| Map Reference | MB B PG 32 |
| Instrument Date | Apr 15, 2024 |
| Instrument | 2024054283 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1330 S SUTRO TER, CARSON CITY, NV 89706-0340 |
| Name | Verified Name |
|---|---|
| Address | 4445 STORY RD, SAINT CLOUD, FL 34772-8918 |
| Investor | Possibly a Property Investor |
| Document Number | 2024054284 |
|---|---|
| Date | Apr 26, 2024 |
| Instrument | 2024054284 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
The 2025 property tax bill for 4445 Story Rd was $7,129, down 17.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,129.00 (-17.71%) | $503,992 | $729,400 Land $199,300 Building $530,100 |
| 2024 | $8,663.00 (+1.95%) | ||
| 2023 | $8,497.00 (+3.47%) Homeowner's exemption | $604,095 (+3%) | $659,300 (+12.41%) Land $141,700 Building $517,600 |
| 2022 | $8,212.00 Homeowner's exemption | $586,500 Land $141,700 Building $444,800 | $586,500 Land $141,700 Building $444,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4445 Story Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| 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.
Wildfire risk around 4445 Story Rd is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| 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, 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
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