Osceola County property record for 4480 Runway Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,796 sqft · built 1989 |
| Lot Size | 4.74 acres (206,822 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $292,000 (Aug 2016) |
| Tax Bill | $10,368 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jun 2018 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 08-27-31-4950-0001-0110 |
| Primary APN | 08-27-31-4950-0001-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 3,796 sqft Living Area |
| Gross Area | 7,024 sqft |
| 1st Floor Area | 3,796 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 206,822 sqft (4.74 acres) |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 11 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 54 sqft |
| Porch | Metal Porch |
| Porch Area | 336 sqft |
| Deck Area | 1,331 sqft |
| Patio Area | 952 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4480 RUNWAY LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 46 E 1/2 OF LOT 11 & E 1/2 OF LOT 6 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 110 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43802 |
Source: Osceola County records, as of November 26, 2025
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 Record |
|---|---|
| Mailing Address | 4480 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ACHIEVA CU |
| Jun 15, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2016 · Amount on Record |
| Deed Sale | Aug 18, 2016 · Amount on Record |
| Prior Sale | Jan 25, 2012 · Amount on Record |
| Deed Document Number | 2016125882 |
| Deed Book / Page | 5010 / 1885 |
| Last Transfer Date | Jan 9, 2025 |
| Transfer Doc | 0067281034 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4480 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Name | Verified Name |
|---|---|
| Address | 448O RUNWAY LANE, SAINT CLOUD, FL 34772 |
| Document Number | 0062250607 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 6225/607 |
| Instrument | 2022086320 |
| Name | ACHIEVA CU |
|---|---|
| Type | Credit Union |
| Address | DUNEDIN, FL 34698 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4480 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Document Number | 0053562442 |
| Instrument Date | Jun 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4480 RUNWAY LN ST CLOUD FL 347727523, ST CLOUD, FL 34772-7523 |
| Document Number | 0053562442 |
|---|---|
| Date | Jun 26, 2018 |
| Book Page | 005356/002442 |
| Instrument | 98173 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 25, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | $10,368.00 (+4.23%) | $696,900 (-12.16%) Land $308,800 Building $388,100 | $696,900 (-12.16%) Land $308,800 Building $388,100 |
| 2024 | $9,947.00 (-1.15%) | ||
| 2023 | $10,063.00 (+20.72%) | $793,400 (+39.07%) Land $308,800 Building $484,600 | $793,400 (+39.07%) Land $308,800 Building $484,600 |
| 2022 | $8,336.00 | $570,500 Land $149,600 Building $420,900 | $570,500 Land $149,600 Building $420,900 |
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 | 66.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 110 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures