Osceola County property record for 4475 Brady Rd, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2019 |
| Square Footage | 2,318 sqft Living Area |
| Lot Size | 104,108 sqft (2.39 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $875,000 (2026) |
| Tax Bill | $8,165.00 (2024) |
| Primary APN | 08-27-31-4950-0001-0095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,318 sqft Living Area |
| Gross Area | 4,670 sqft Gross Area |
| 1st Floor | 1,600 sqft 1st Floor |
| Upper Floors | 718 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 104,108 sqft (2.39 acres) |
| Garage Type | Attached Garage |
| Garage Area | 2,080 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 28 sqft Pool |
| Deck Area | 498 sqft Deck |
| Porch Area | 272 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 4475 BRADY RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7508 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 46 LESS THE N 271 FT OF THE FOLLOWING DESCRIBED PARCEL: COM AT A POINT S 467 FT FROM NW COR OF LOT 8, POINT BEING ON W/L OF LOT 9, E 433.39 FT TO WLY R/W LINE OF CENTRAL AND SOUTH FL FLOOD CONTROL CANAL C-33, S 09 DEG W 572.96 FT, W |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1013 |
| Census Tract | 43205 |
Source: Osceola County records · APN 08-27-31-4950-0001-0095
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 | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 22, 2026 | Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Feb 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Jan 21, 2020 | Warranty Deed, Subdivision Related Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 22, 2026 · Amount on Record |
| Deed Sale | Jan 22, 2026 · Amount on Record |
| Prior Sale | Feb 11, 2021 · Amount on Record |
| Deed Doc Number | 20269153 |
| Deed Book / Page | 6911 / 956 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0069382264 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | 6938/2264 |
| Instrument | 2026035159 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 20, 2066 |
| 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 | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0060911893 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 6091/1893 |
| Instrument | 2021180759 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0062020523 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 6202/523 |
| Instrument | 2022066269 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 22, 2026 |
| Property Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0069110956 |
| Book / Page | 6911 / 956 |
| Instrument Date | Jan 15, 2026 |
| Instrument | 2026009153 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,125.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 11, 2021 |
| Property Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0058892969 |
| Book / Page | 5889 / 2969 |
| Instrument Date | Feb 09, 2021 |
| Instrument | 2021020493 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,025.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Name | Verified Name |
|---|---|
| Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0058892974 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 5889/2974 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Mar 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 6.25% |
| Index | 1-Year LIBOR |
| Max Rate | 10.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 21, 2020 |
| Property Address | 4475 BRADY RD, SAINT CLOUD, FL 34772-7508 |
| Document Number | 0056601964 |
| Book / Page | 005660 / 001964 |
| Instrument Date | Dec 23, 2019 |
| Instrument | 9643 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | PO BOX 700355 ST CLOUD FL 347700355, ST CLOUD, FL 34770-0355 |
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 | $8,502.00 (+4.13%) Homeowner's exemption | $603,145 (+5.99%) | $686,200 (+7.42%) Land $155,400 Building $530,800 |
| 2024 | $8,165.00 (+1.96%) | ||
| 2023 | $8,008.00 (+3.5%) Homeowner's exemption | $569,075 (+3%) | $638,800 (+15.62%) Land $120,700 Building $518,100 |
| 2022 | $7,737.00 Homeowner's exemption | $552,500 Land $107,600 Building $444,900 | $552,500 Land $107,600 Building $444,900 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 66.0 ft |
| Wildfire Risk | High above 79% of the US · above 68% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 240 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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