Osceola County property record for 4575 Lake Shore Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,522 sqft · built 2003 |
| Lot Size | 2.37 acres (103,542 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $780,000 (Jul 2026) |
| Tax Bill | $6,400 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-26-31-5080-0001-1220 |
| Primary APN | 30-26-31-5080-0001-1220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,522 sqft Living Area |
| Gross Area | 3,721 sqft |
| 1st Floor Area | 2,522 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 103,542 sqft (2.37 acres) |
| Lot Dimensions | 643 ft deep x 298 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 286 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 649 sqft |
| Deck Area | 770 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4575 LAKE SHORE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA2M |
| Legal Description | ST CLOUD MANOR EST UNIT 2 PB 1 PG 365 LOT 122 LESS E 305 FT THEREOF |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | ST CLOUD MANOR ESTATES UNIT 2 |
| Legal Tract | 5080 |
| Legal Block | 1220 |
| Legal Lot Number | 122 |
| Legal Unit | 2P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 43304 |
4575 Lake Shore Dr is owned and occupied by two individuals who bought it in July 2026.
Source: Osceola County records, as of July 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4928 CASPIAN CT, ORLANDO, FL 32819-3324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Jul 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Nov 17, 2023 | Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE |
| May 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on File |
| Deed Sale | Jul 14, 2026 · Amount on File |
| Prior Sale | May 12, 2022 · Amount on File |
| Deed Document Number | 202692135 |
| Deed Book / Page | 7003 / 2387 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 4575 LAKE SHORE DR, SAINT CLOUD, FL 34772-7322 |
| Document Number | 0000092135 |
| Book / Page | 7003 / 2387 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202692135 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | COMMUNITY FIRST, FIRST COMMUNITY MORTGAGE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $551,460.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4928 CASPIAN CT, ORLANDO, FL 32819-3324 |
| Document Number | 0000092136, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202692136 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4575 LAKE SHORE DR, SAINT CLOUD, FL 34772-7322 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4575 LAKE SHORE DR, SAINT CLOUD, FL 34772-7322 |
| Document Number | 0065061561 |
|---|---|
| Date | Nov 17, 2023 |
| Book Page | 6506/1561 |
| Instrument | 2023151463 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 12, 2022 |
| Property Address | 4575 LAKE SHORE DR, SAINT CLOUD, FL 34772-7322 |
| Document Number | 0062122724 |
| Book / Page | 6212 / 2724 |
| Map Reference | MB 1 PG 365 |
| Instrument Date | May 6, 2022 |
| Instrument | 2022075429 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4575 LAKE SHORE DR, 4575, SAINT CLOUD, FL 34772-7322 |
| Name | Verified Name |
|---|---|
| Address | 4575 LAKE SHORE DR, SAINT CLOUD, FL 34772-7322 |
| Document Number | 0062122725 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 6212/2725 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 4575 Lake Shore Dr was $6,400 with a homeowner's exemption.
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 | $6,400.00 Homeowner's exemption | $451,382 | $520,600 Land $120,000 Building $400,600 |
| 2023 | $6,008.00 (+82.95%) Homeowner's exemption | $425,885 (+82.07%) | $501,700 (+18.24%) Land $118,800 Building $382,900 |
| 2022 | $3,284.00 Homeowner's exemption | $233,909 | $424,300 Land $95,100 Building $329,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4575 Lake Shore Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 4575 Lake Shore Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | HARMONY CDD public/private · serves 6,221 people · EPA ID FL3494427 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| Lead | Under 1 ppb (2024) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
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