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4715 Lake Shore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4715 Lake Shore Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,090 sqft · built 1994
Lot Size0.317 acres (13,852 sqft)
OwnerIndividual Name on Record
Last Sale$180,000 (Aug 2018)
Tax Bill$5,712 (2025)
Deeds & MortgagesOct 2022 Mortgage
Nov 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN3026315130000H0100

Property Details

APN / Parcel Number

Primary APN3026315130000H0100
Alternative APN
  • 98499

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,090 sqft Heated Area
Gross Area1,450 sqft
1st Floor Area1,090 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1994
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,852 sqft (0.317 acres)
Lot Dimensions135 ft deep x 100 ft wide
Garage TypeFinished
Garage Area330 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area30 sqft
FenceFence
Shed1 Shed
Shed Area45 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98499
Street Address4715 LAKE SHORE DR
CitySAINT CLOUD
StateFL
Zip34772-8452
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAE1
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK H LOT 10
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockH
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1050
Census Tract43304

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2022Deed of Trust, Mortgage · VA Mortgage
WESTSTAR MORTGAGE CORP
Nov 30, 2021Deed of Trust, Mortgage · VA Mortgage
DEPARTMENT OF VETERANS AFFAIRS
Aug 27, 2019Deed of Trust, Mortgage · VA Mortgage
GOLDWATER BANK NA
Aug 3, 2018Warranty Deed, Transfer · VA Mortgage
THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 3, 2018 · Amount on Record
Deed SaleAug 3, 2018 · Amount on Record
Prior SaleApr 3, 2003 · Amount on Record
Deed Document Number0005379915
Deed Book / Page5379 / 915
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452
Transaction TypeMortgage
Record UpdatedNov 4, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452

Mortgage

Document Number0063020138
DateOct 19, 2022
Book Page6302/138
Instrument2022154606
Lender
NameWESTSTAR MORTGAGE CORP
TypeMortgage Company
AddressALBUQUERQUE, NM 87110
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term323 Months
DueSep 1, 2049

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452
Transaction TypeMortgage
Record UpdatedFeb 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452

Mortgage

Document Number0060960947
DateNov 30, 2021
Book Page6096/947
Instrument2021184163
Lender
NameDEPARTMENT OF VETERANS AFFAIRS
TypeGovernment Agency
AddressNASHVILLE, TN 37203
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term334 Months
DueSep 8, 2049

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452
Transaction TypeMortgage
Record UpdatedFeb 8, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055792232
DateAug 27, 2019
Book Page5579/2232
Instrument2019110782
Lender
NameGOLDWATER BANK NA
TypeBank
AddressPHOENIX, AZ 85016
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 3, 2018
Property Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452
Document Number0053790915
Book / Page5379 / 0915
Map ReferenceMB1 PG395
Instrument DateAug 3, 2018
Instrument2018119098
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7110 SIX GUN CT, 7110, SAINT CLOUD, FL 34771-7917

Transferred To (Grantee/Buyer)

NameVerified Name
Address4715 LAKE SHORE DR, SAINT CLOUD, FL 34772-8452

Mortgage

Document Number2018119099
DateAug 3, 2018
Instrument2018119099
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,712.00 (+76.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$160,609 (+5.99%)$250,600 (+8.44%) Land $60,000 Building $190,600
2023$3,235.00 (+3.79%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$151,537 (+3%)$231,100 (+20.81%) Land $45,000 Building $186,100
2022$3,117.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$147,124$191,300 Land $40,000 Building $151,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskModerate
above 47% of the US · lower than 82% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 69 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250

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