Osceola County property record for 4555 Story Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 2,058 sqft · built 1970 |
| Lot Size | 4.96 acres (216,275 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Mar 2022) |
| Tax Bill | $4,857 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Mar 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 99586 |
| Primary APN | 99586 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,058 sqft Heated Area |
| Gross Area | 3,056 sqft |
| 1st Floor Area | 1,920 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 216,275 sqft (4.96 acres) |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 1,136 sqft |
| Shed | 1 Shed |
| Shed Area | 165 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 99586 |
|---|---|
| Street Address | 4555 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 31 LESS W 25 FT RD 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 | 31 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43205 |
4555 Story Rd is owned and occupied by an individual who bought it in March 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4555 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| Mar 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on File |
| Deed Sale | Mar 15, 2022 · Amount on File |
| Prior Sale | Sep 21, 2016 · Amount on File |
| Deed Document Number | 2022041172 |
| Deed Book / Page | 6171 / 2188 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4555 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4555 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0068722175 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | 6872/2175 |
| Instrument | 2025134272 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 15, 2022 |
| Property Address | 4555 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0061712188 |
| Book / Page | 6171 / 2188 |
| Map Reference | MB B PG 45 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022041172 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ROSCOMMON COUNTY TITLE INSURANCE AGENCY, ROSEMONT TITLE INS AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1606 PEACH TREE BLVD, SAINT CLOUD, FL 34769-1631 |
| Name | Verified Name |
|---|---|
| Address | 4555 STORY RD, SAINT CLOUD, FL 34772-7902 |
| Document Number | 0061712190 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 6171/2190 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 4555 Story Rd was $4,857 with a homeowner's exemption.
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 | $4,857.00 Homeowner's exemption | $340,006 | $391,700 Land $223,400 Building $168,300 |
| 2023 | $4,540.00 (+0.13%) Homeowner's exemption | $320,800 (+8.56%) Land $158,900 Building $161,900 | $320,800 (+8.56%) Land $158,900 Building $161,900 |
| 2022 | $4,534.00 | $295,500 Land $158,900 Building $136,600 | $295,500 Land $158,900 Building $136,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4555 Story Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 4555 Story Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
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