Osceola County property record for 4685 D St, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Prefabricated > Mobile Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1990 |
| Square Footage | 1,080 sqft Living Area |
| Lot Size | 49,353 sqft (1.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $293,000 (2026) |
| Tax Bill | $2,911.00 (2025) |
| Primary APN | 31-26-31-5140-000B-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,080 sqft Living Area |
| 1st Floor | 1,080 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Custom Design Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 49,353 sqft (1.13 acres) |
| Depth X Width | 324 ft x 152 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Garage Area | 372 sqft Garage |
| Carport | Carport |
| Carport Area | 372 sqft Carport |
| Shed | 1 Shed |
| Shed Area | 240 sqft Shed |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4685 D ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7521 |
| Property Usage | Residential Property Usage |
| Type | Residential > Prefabricated > Mobile Home |
| Legal Description | ST CLOUD MANOR ACRES PB 1 PG 425 BLK B LOT 1 AND S 1/2 OF E 70.36 FT LOT 3 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR ACRES |
| Legal Tract | 5140 |
| Legal Block | B |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 43205 |
Source: Osceola County records · APN 31-26-31-5140-000B-0010
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 | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NET 1 FUNDING CORP |
| Apr 21, 2026 | Warranty Deed, Transfer · Veterans Administration Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 21, 2026 | Warranty Deed, Transfer · Veterans Administration Mortgage CROSSCOUNTRY MORTGAGE |
| Dec 08, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on Record |
| Deed Sale | Apr 21, 2026 · Amount on Record |
| Prior Sale | Dec 08, 2022 · Amount on Record |
| Deed Doc Number | 202652683 |
| Deed Book / Page | 6958 / 2657 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2026 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Investor | Possibly a Property Investor |
| Document Number | 0060461562 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 6046/1562 |
| Instrument | 2021145027 |
| Name | NET 1 FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2026 |
| Property Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0000052683 |
| Book / Page | 6958 / 2657 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.52683 |
| Transaction Type | Transfer |
| Record Updated | May 01, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207,151.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0000052684, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 6958/2659 |
| Instrument | 2026.52684 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2026 |
| Property Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0069582657 |
| Book / Page | 6958 / 2657 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202652683 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207,151.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0000052684, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 6958/2659 |
| Instrument | 202652684 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 08, 2022 |
| Property Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0063262125 |
| Book / Page | 6326 / 2125 |
| Map Reference | MB 1 PG 425 |
| Instrument Date | Dec 06, 2022 |
| Instrument | 2022176335 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5001 MARINA DR, SAINT CLOUD, FL 34771-7852 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4685 D ST, SAINT CLOUD, FL 34772-7521 |
| Document Number | 0063262127 |
|---|---|
| Date | Dec 08, 2022 |
| Instrument | 6326/2127 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,911.00 (+3.19%) | $158,700 (-0.06%) Land $57,200 Building $101,500 | $158,700 (-0.06%) Land $57,200 Building $101,500 |
| 2024 | $2,821.00 (-0.63%) | ||
| 2023 | $2,839.00 (+53.13%) | $158,800 (+64.05%) Land $57,200 Building $101,600 | $158,800 (+64.05%) Land $57,200 Building $101,600 |
| 2022 | $1,854.00 | $96,800 Land $36,300 Building $60,500 | $96,800 Land $36,300 Building $60,500 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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