Osceola County property record for 4450 Story Rd, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1992 |
| Square Footage | 2,045 sqft Living Area |
| Lot Size | 203,860 sqft (4.68 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $178,000 (2012) |
| Tax Bill | $2,750.00 (2024) |
| Primary APN | 06-27-31-4950-0001-1150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,045 sqft Living Area |
| Gross Area | 2,999 sqft Gross Area |
| 1st Floor | 2,045 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 203,860 sqft (4.68 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 614 sqft Garage |
| Porch Area | 340 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4450 STORY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8917 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 E 1/2 LOTS 115 & 126 LESS R/W ON E SIDE OF LOTS |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 1150 |
| Legal Lot Number | 115 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 06-27-31-4950-0001-1150
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 04, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NA |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Mar 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 16, 2012 · Amount on Record |
| Deed Sale | Mar 16, 2012 · Amount on Record |
| Deed Doc Number | 201237650 |
| Deed Book / Page | 4243 / 1934 |
| Prior Transfer Date | Oct 31, 2007 |
| Prior Transfer Doc | 0037060864 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Document Number | 0067482537 |
|---|---|
| Date | Mar 04, 2025 |
| Book Page | 6748/2537 |
| Instrument | 2025027209 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 94 Months |
| Due | Jan 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Document Number | 0057930555 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 5793/555 |
| Instrument | 2020122554 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4450 STORY RD, SAINT CLOUD, FL 34772-8917 |
| Document Number | 0054882737 |
| Instrument Date | Mar 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4450 STORY RD ST CLOUD FL 347728917, ST CLOUD, FL 34772-8917 |
| Document Number | 0054882737 |
|---|---|
| Date | Mar 08, 2019 |
| Book Page | 005488/002737 |
| Instrument | 30248 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 07, 2034 |
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 | $2,910.00 (+5.82%) Homeowner's exemption | $199,511 (+5.99%) | $450,000 (+15.5%) Land $189,500 Building $260,500 |
| 2024 | $2,750.00 (+2.27%) | ||
| 2023 | $2,689.00 (+4.67%) Homeowner's exemption | $188,242 (+3%) | $389,600 (+10.74%) Land $134,800 Building $254,800 |
| 2022 | $2,569.00 Homeowner's exemption | $182,760 | $351,800 Land $134,800 Building $217,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 258 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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