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4705 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4705 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,606 sqft · built 1990
Lot Size0.323 acres (14,113 sqft)
Owner2 Individual Names on File
Last Sale$329,000 (Dec 2024)
Tax Bill$4,229 (2025)
Deeds & MortgagesMar 2023 Sale & Mortgage
Nov 2018 Sale
Flood ZoneZone X (minimal risk)
APN3126315130000W0110

Property Details

APN / Parcel Number

Primary APN3126315130000W0110
Alternative APN
  • 98826

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,606 sqft Heated Area
Gross Area1,886 sqft
1st Floor Area1,014 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1990
Exterior MaterialVinyl
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,113 sqft (0.323 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage Area312 sqft

Exterior Amenities

PorchEnclosed Porch
Porch Area872 sqft
Patio Area104 sqft
FenceFence
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98826
Street Address4705 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-8979
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK W LOT 11
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockW
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1054
Census Tract43304

Owner

Source: Osceola County records · APN 3126315130000W0110

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 Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address4705 CITRUS DR, SAINT CLOUD, FL 34772-8979
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 29, 2023Warranty Deed, Transfer · Conventional Mortgage
SWBC MORTGAGE CORP
Nov 09, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleDec 13, 2024 · Amount on Record
Deed SaleDec 13, 2024 · Amount on Record
Prior SaleMar 29, 2023 · Amount on Record
Deed Document Number2024157488
Deed Book / Page6710 / 1823
Record UpdatedJun 08, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 29, 2023
Property Address4705 CITRUS DR, SAINT CLOUD, FL 34772-8979
Document Number0063780299
Book / Page6378 / 299
Map ReferenceMB 1 PG 395
Instrument DateMar 24, 2023
Instrument2023035251
Transaction TypeTransfer
Record UpdatedApr 13, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,149.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4705 CITRUS DR, SAINT CLOUD, FL 34772-8979

Transferred To (Grantee/Buyer)

NameVerified Name
Address4705 CITRUS DR, SAINT CLOUD, FL 34772-8979
InvestorPossibly a Property Investor

Mortgage

Document Number0006378301
DateMar 29, 2023
Instrument6378/301
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 09, 2018
Property Address4705 CITRUS DR, SAINT CLOUD, FL 34772-8979
Document Number0054312912
Book / Page005431 / 002912
Instrument DateNov 04, 2018
Instrument167132
Transaction TypeTransfer
Record UpdatedDec 05, 2018

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address9409 COBALT PARK DR ORLANDO FL 328325869, ORLANDO, FL 32832-5869

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,229.00 (+289.41%)$253,800 (+257.28%) Land $60,000 Building $193,800$253,800 (+8.18%) Land $60,000 Building $193,800
2023$1,086.00 (+5.44%) Homeowner's exemption$71,036 (+3%)$234,600 (+20.62%) Land $45,000 Building $189,600
2022$1,030.00 Homeowner's exemption$68,967$194,500 Land $40,000 Building $154,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 629 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 240 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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