Osceola County property record for 4490 Runway Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,285 sqft · built 1987 |
| Lot Size | 4.48 acres (195,584 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $352,500 (Jun 2017) |
| Tax Bill | $5,226 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 99617 |
| Primary APN | 99617 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,285 sqft Heated Area |
| Gross Area | 7,575 sqft |
| 1st Floor Area | 1,332 sqft |
| Upper Floors Area | 999 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 195,584 sqft (4.48 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 2,640 sqft |
| Parking Spaces | 15 Parking Spaces |
| Porch | Porch |
| Porch Area | 1,158 sqft |
| Deck Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 99617 |
|---|---|
| Street Address | 4490 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 W 1/2 LOTS 6 & 11 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 08 |
| Legal Subdivision | LAKE GENTRY FARMS |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 6,11 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 December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4490 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Jun 19, 2017 | Warranty Deed, Transfer · ARM LENDER SELECT MORTGAGE GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 2017 · Amount on Record |
| Deed Sale | Jun 19, 2017 · Amount on Record |
| Prior Sale | Jul 14, 1999 · Amount on Record |
| Deed Document Number | 2017088920 |
| Deed Book / Page | 5166 / 0249 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4490 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Document Number | 0057410541 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4490 RUNWAY LN ST CLOUD FL 347727523, ST CLOUD, FL 34772-7523 |
| Document Number | 0057410541 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 005741/000541 |
| Instrument | 79651 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 21, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 19, 2017 |
| Property Address | 4490 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Document Number | 0051660249 |
| Book / Page | 5166 / 0249 |
| Map Reference | MB B PG46 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 2017088920 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,467.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4588 CAVE SPRING RD SW, 4588, ROME, GA 30161-9541 |
| Name | Verified Name |
|---|---|
| Address | 4490 RUNWAY LN, SAINT CLOUD, FL 34772-7523 |
| Document Number | 0051660251 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 5166/0251 |
| Name | LENDER SELECT MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
Source: Osceola County assessment roll, as of July 1, 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 | $5,226.00 (+6.83%) Homeowner's exemption | $366,651 (+5.99%) | $645,300 (-13.72%) Land $291,800 Building $353,500 |
| 2023 | $4,892.00 (+3.89%) Homeowner's exemption | $345,940 (+3%) | $747,900 (+41.17%) Land $291,800 Building $456,100 |
| 2022 | $4,709.00 Homeowner's exemption | $335,865 | $529,800 Land $141,400 Building $388,400 |
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 |
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