4701 Lake Trudy Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 4701 Lake Trudy Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,694 sqft · built 1980
Lot Size	0.312 acres (13,634 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jun 2020)
Tax Bill	$4,601 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82648`

Property Details

APN / Parcel Number

Primary APN	`82648`
Alternative APN	`042630090600010060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,694 sqft Heated Area
Gross Area	3,930 sqft
1st Floor Area	2,694 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,634 sqft (0.312 acres)
Lot Dimensions	118 ft deep x 115 ft wide
Garage Type	Finished
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	588 sqft
Deck Area	696 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82648
Street Address	4701 LAKE TRUDY DR
City	SAINT CLOUD
State	FL
Zip	34769-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	PINE LAKE ESTATES UNIT 4 PB 2 PG 146 LOT 6 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	906
Legal Block	1
Legal Lot Number	6,9 9
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4701 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 24, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Prior Sale	Dec 9, 2013 · Amount on Record
Deed Document Number	0057371198
Deed Book / Page	5737 / 1198
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 15, 2020
Property Address	4701 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1642
Document Number	0057371198
Book / Page	5737 / 1198
Map Reference	MB 2 PG 146
Instrument Date	Jun 15, 2020
Instrument	2020076207
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 MISSOURI AVE, 522, SAINT CLOUD, FL 34769-2751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4701 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1642

Mortgage

Document Number	0057371200
Date	Jun 15, 2020
Instrument	5737/1200

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4701 LAKE TRUDY DR, SAINT CLOUD, FL 34769-1642
Document Number	0052461555
Book / Page	005246 / 001555
Instrument Date	Nov 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4701 LAKE TRUDY DR ST CLOUD FL 347691642, ST CLOUD, FL 34769-1642

Mortgage

Document Number	0052461555
Date	Nov 30, 2017
Book Page	005246/001555
Instrument	170203

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,601.00 (+6.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$304,941 (+5.99%)	$428,200 (-2.81%) Land $65,000 Building $363,200
2023	$4,332.00 (+3.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$287,716 (+3%)	$440,600 (+16.59%) Land $60,000 Building $380,600
2022	$4,184.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$279,336	$377,900 Land $55,000 Building $322,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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