Osceola County property record for 4545 Story Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,453 sqft · built 2008 |
| Lot Size | 4.94 acres (215,622 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Sep 2018) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 99570 |
| Primary APN | 99570 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,453 sqft Heated Area |
| Gross Area | 3,822 sqft |
| 1st Floor Area | 1,729 sqft |
| Upper Floors Area | 724 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 215,622 sqft (4.94 acres) |
| Garage Type | Finished |
| Garage Area | 709 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 660 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 99570 |
|---|---|
| Street Address | 4545 STORY RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 45 LOT 15 LESS R/W |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 07 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43205 |
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 | 15789 EDGEWOOD DR, DUMFRIES, VA 22025-1750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Aug 12, 2020 | Deed of Trust, Mortgage ELEVEN MTG |
| Aug 12, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED LENDING |
| Sep 4, 2018 | Warranty Deed, Transfer · VA Mortgage HAMILTON GROUP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2018 · Amount on Record |
| Deed Sale | Sep 4, 2018 · Amount on Record |
| Prior Sale | Mar 24, 2008 · Amount on Record |
| Deed Document Number | 2018133306 |
| Deed Book / Page | 5395 / 1456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0061131477 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 6113/1477 |
| Instrument | 2021197287 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0057741866 |
| Instrument Date | Aug 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15789 EDGEWOOD DR DUMFRIES VA 220251750, DUMFRIES, VA 22025-1750 |
| Document Number | 0057741866 |
|---|---|
| Date | Aug 14, 2020 |
| Book Page | 005774/001866 |
| Instrument | 107510 |
| Name | ELEVEN MTG |
|---|---|
| Address | PLANO, TX 75024 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0055750246 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4545 STORY RD ST CLOUD FL 347727902, ST CLOUD, FL 34772-7902 |
| Document Number | 0055750246 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 005575/000246 |
| Instrument | 106485 |
| Name | UNITED LENDING |
|---|---|
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 4, 2018 |
| Property Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0053951456 |
| Book / Page | 5395 / 1456 |
| Map Reference | MB PG45 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 2018133306 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4545 STORY RD, 4545, SAINT CLOUD, FL 34772-7902 |
| Name | Verified Name |
|---|---|
| Address | 4545 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 2018133307 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 2018133307 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
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 | $712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $315,324 (+5.99%) | $576,800 (+12%) Land $189,300 Building $387,500 |
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $297,513 (+3%) | $515,000 (+12.4%) Land $134,600 Building $380,400 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $288,848 | $458,200 Land $134,600 Building $323,600 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 66% 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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