Osceola County property record for 4704 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 | 2,530 sqft Heated Area |
| Lot Size | 13,373 sqft (0.307 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $395,000 (2021) |
| Tax Bill | $5,274.00 (2025) |
| Primary APN | 138002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,530 sqft Heated Area |
| Gross Area | 3,069 sqft Gross Area |
| 1st Floor | 2,530 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 | 13,373 sqft (0.307 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 462 sqft Garage |
| Pool Area | 312 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 642 sqft Deck |
| Porch | Open Porch |
| Porch Area | 77 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 138002 |
|---|---|
| Street Address | 4704 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 16 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 30 |
| Legal Subdivision | CHISHOLM ESTATES |
| Legal Tract | 2858 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records · APN 138002
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 | 4704 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 03, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage RP FUNDING INC |
| May 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 23, 2020 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on Record |
| Deed Sale | May 24, 2021 · Amount on Record |
| Prior Sale | Jun 22, 2010 · Amount on Record |
| Deed Doc Number | 2021079743 |
| Deed Book / Page | 5964 / 2172 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4704 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055520680 |
|---|---|
| Date | Jul 03, 2019 |
| Book Page | 5552/0680 |
| Instrument | 2019086405 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 24, 2021 |
| Property Address | 4704 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0059642172 |
| Book / Page | 5964 / 2172 |
| Map Reference | MB 18 PG 16&17 |
| Instrument Date | May 10, 2021 |
| Instrument | 2021079743 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 592 SHALIMAR ST, THE VILLAGES, FL 32162-1642 |
| Name | Verified Name |
|---|---|
| Address | 20551 FOREST AVE APT 4, 4, CASTRO VALLEY, CA 94546-4575 |
| Document Number | 0059642174 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 5964/2174 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4704 SADDLE CT, SAINT CLOUD, FL 34771-8916 |
| Document Number | 0058430992 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4704 SADDLE CT ST CLOUD FL 347718916, ST CLOUD, FL 34771-8916 |
| Document Number | 0058430992 |
|---|---|
| Date | Dec 02, 2020 |
| Book Page | 005843/000992 |
| Instrument | 163677 |
| Name | SUNCOAST CU |
|---|---|
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 01, 2045 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,274.00 (+7.13%) Homeowner's exemption | $333,722 (+5.99%) | $425,800 (+1.74%) Land $65,000 Building $360,800 |
| 2023 | $4,923.00 (+5.83%) Homeowner's exemption | $314,871 (+3%) | $418,500 (+36.9%) Land $65,000 Building $353,500 |
| 2022 | $4,652.00 Homeowner's exemption | $305,700 Land $55,000 Building $250,700 | $305,700 Land $55,000 Building $250,700 |
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.
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