4609 Rummell Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4609 Rummell Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2003
Square Footage	3,267 sqft Heated Area
Lot Size	36,155 sqft (0.83 acres)
Garage	Finished, 575 sqft
Occupancy	Owner Occupied
Tax Bill	$6,971.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`92778`
Alternative APN	`292531491001030060`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	3,267 sqft Heated Area
Gross Area	4,164 sqft Gross Area
1st Floor	2,203 sqft 1st Floor
Upper Floors	1,064 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Exterior Material	Brick Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	36,155 sqft (0.83 acres)
Depth X Width	360 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	575 sqft Garage

Exterior Amenities

Pool Area	96 sqft Pool
Fence	Fence
Deck Area	198 sqft Deck
Porch	Open Porch
Porch Area	322 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	92778
Street Address	4609 RUMMELL RD
City	SAINT CLOUD
State	FL
Zip	34771-1709
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TOWN OF RUNNYMEDE PB 1 PG 057 BLK 103 LOT 6 & VAC LAKE AVE ABUTTING 31/25/31
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	OSCEOLA SHORES
Legal Tract	4910
Legal Block	103
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1025
Census Tract	43600

Owner

Source: Osceola County records · APN 92778

Assessment roll updated July 1, 2025 · Last verified December 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	4609 RUMMELL RD, SAINT CLOUD, FL 34771-1709
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2023
Deed Sale	Oct 24, 2023
Deed Doc Number	2021166584
Deed Book / Page	6073 / 1117
Prior Transfer Date	Oct 26, 2021
Prior Transfer Doc	2021166584
Record Refreshed	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 26, 2021
Property Address	4609 RUMMELL RD, SAINT CLOUD, FL 34771-1709
Document Number	0060731117
Book / Page	6073 / 1117
Map Reference	MB 1 PG 57
Instrument Date	Oct 22, 2021
Instrument	2021166584
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2205 N OLA AVE, 2205, TAMPA, FL 33602-2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4609 RUMMELL RD, SAINT CLOUD, FL 34771-1709

Mortgage

Document Number	0060731119
Date	Oct 26, 2021
Instrument	6073/1119

Lender

Name	SG CAPITAL PARTNERS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,971.00 (+6.41%) Homeowner's exemption	$492,603 (+5.99%)	$544,300 (+1.72%) Land $117,000 Building $427,300
2023	$6,551.00 (-8.58%) Homeowner's exemption	$464,778 (-1.43%)	$535,100 (+13.49%) Land $117,000 Building $418,100
2022	$7,166.00	$471,500 Land $117,000 Building $354,500	$471,500 Land $117,000 Building $354,500

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 70% of the US · above 51% of Florida
Wildfire Likelihood	About 1 in 413 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.