Osceola County property record for 4702 Saddle Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2009 |
| Square Footage | 2,320 sqft Heated Area |
| Lot Size | 11,631 sqft (0.267 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $212,900 (2009) |
| Tax Bill | $3,177.00 (2025) |
| Primary APN | 138001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,320 sqft Heated Area |
| Gross Area | 3,051 sqft Gross Area |
| 1st Floor | 2,320 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,631 sqft (0.267 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 269 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 138001 |
|---|---|
| Street Address | 4702 SADDLE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8916 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CHISHOLM ESTATES PB 18 PG 16-17 LOT 15 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 30 |
| Legal Subdivision | CHISHOLM ESTATES |
| Legal Tract | 2858 |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records · APN 138001
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Mar 07, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC |
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU |
| Dec 02, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage FAIRWINDS CU |
| Jan 10, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage FAIRWINDS CU |
| Mar 03, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage BROKER SOLUTIONS INC |
| Oct 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| May 28, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 16, 2009 · Amount on Record |
| Deed Sale | Sep 16, 2009 · Amount on Record |
| Deed Doc Number | 2009148427 |
| Deed Book / Page | 3889 / 1598 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4702 SADDLE CT, MAGNOLIA SQUARE, FL 34771-8916 |
| Document Number | 0058742128 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 5874/2128 |
| Instrument | 2021009380 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0061652648 |
|---|---|
| Date | Mar 07, 2022 |
| Book Page | 6165/2648 |
| Instrument | 2022036661 |
| Name | AMERICAN LIBERTY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DENVER, CO 80211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0063291218 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 6329/1218 |
| Instrument | 2022178702 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32828 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 12, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0068872091 |
|---|---|
| Date | Dec 02, 2025 |
| Book Page | 6887/2091 |
| Instrument | 2025147418 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 01, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0067232596 |
|---|---|
| Date | Jan 10, 2025 |
| Book Page | 6723/2596 |
| Instrument | 2025003783 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 08, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051111563 |
|---|---|
| Date | Mar 03, 2017 |
| Book Page | 5111/1563 |
| Instrument | 2017034260 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052312232 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 5231/2232 |
| Instrument | 2017155184 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4702 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057280537 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 5728/537 |
| Instrument | 2020068724 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,177.00 (+8.5%) Homeowner's exemption | $182,360 (+5.99%) | $395,000 (+1.62%) Land $65,000 Building $330,000 |
| 2023 | $2,928.00 (+7.85%) Homeowner's exemption | $172,060 (+3%) | $388,700 (+39.72%) Land $65,000 Building $323,700 |
| 2022 | $2,715.00 Homeowner's exemption | $167,049 | $278,200 Land $55,000 Building $223,200 |
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 | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 372 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures