Osceola County property record for 4605 Rummell Rd, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 4,827 sqft · built 2021 |
| Lot Size | 1.09 acres (47,785 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,296 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 29-25-31-4910-0103-0080 |
| Primary APN | 29-25-31-4910-0103-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 4,827 sqft Living Area |
| Gross Area | 6,540 sqft Gross Area |
| 1st Floor Area | 2,957 sqft 1st Floor |
| Stories | 2 Stories |
| Flooring | Tile |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 47,785 sqft (1.09 acres) |
| Lot Dimensions | 360 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 862 sqft Garage |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 39 sqft Pool |
| Deck Area | 1,059 sqft Deck |
| Porch | Slab |
| Heating System | Central |
|---|
| Street Address | 4605 RUMMELL RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-1709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWN OF RUNNYMEDE PB 1 PG 057 BLK 103 LOT 8 AND VAC LAKE AVE 31-25-31 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | RUNNYMEDE NORTH HALF TOWN OF |
| Legal Tract | 4910 |
| Legal Block | 103 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43600 |
Source: Osceola County records · APN 29-25-31-4910-0103-0080
Assessment roll updated November 26, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 4605 RUMMELL RD, SAINT CLOUD, FL 34771-1709 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Sep 05, 2019 | Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 1998 |
| Deed Sale | Mar 11, 1998 |
| Prior Sale | Feb 16, 1998 · Amount on Record |
| Deed Book / Page | 1478 / 1140 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4605 RUMMELL RD, SAINT CLOUD, FL 34771-1709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1502 ALLIGATOR ST, SAINT CLOUD, FL 34771-7537 |
| Document Number | 0057952857 |
|---|---|
| Date | Sep 17, 2020 |
| Book Page | 5795/2857 |
| Instrument | 2020124945 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Oct 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | Oct 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.12% |
| Index | 1-Year CMT |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 05, 2019 |
| Property Address | 4605 RUMMELL RD, SAINT CLOUD, FL 34771-1709 |
| Document Number | 0055840771 |
| Book / Page | 5584 / 0771 |
| Map Reference | MB 1 PG 4 |
| Instrument Date | Sep 05, 2019 |
| Instrument | 2019114258 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5416 N IRONSTONE TER, 5416, HERNANDO, FL 34442-4029 |
| Name | Verified Name |
|---|---|
| Address | 1502 ALLIGATOR ST, SAINT CLOUD, FL 34771-7537 |
| Document Number | 0005584772 |
|---|---|
| Date | Sep 05, 2019 |
| Instrument | 5584/772 |
| Name | CENTERSTATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Sep 21, 2024 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,296.00 (+5.92%) Homeowner's exemption | $804,818 (+5.99%) | $864,900 (+2.09%) Land $117,000 Building $747,900 |
| 2023 | $10,665.00 (+4.47%) Homeowner's exemption | $759,357 (+4.11%) | $847,200 (+14.75%) Land $117,000 Building $730,200 |
| 2022 | $10,209.00 Homeowner's exemption | $729,376 | $738,300 Land $117,000 Building $621,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 439 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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