4715 Mallard Dr, Saint Cloud, FL 34772 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,523 sqft · built 2003
Lot Size	0.319 acres (13,896 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Sep 2021)
Tax Bill	$4,307 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`312631513000II0100`

Property Details

APN / Parcel Number

Primary APN	`312631513000II0100`
Alternative APN	`98960`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,523 sqft Heated Area
Gross Area	2,372 sqft
1st Floor Area	1,523 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,896 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	36 sqft
Porch	Open Porch
Porch Area	429 sqft
Deck Area	500 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98960
Street Address	4715 MALLARD DR
City	SAINT CLOUD
State	FL
Zip	34772-9318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK II LOT 10
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	2
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1071
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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
Mailing Address	4715 MALLARD DR, SAINT CLOUD, FL 34772-9318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Warranty Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PARTNERS LLC
Apr 5, 2017	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 10, 2021 · Amount on Record
Deed Sale	Sep 10, 2021 · Amount on Record
Prior Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	2021140406
Deed Book / Page	6040 / 1848
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2021
Property Address	4715 MALLARD DR, SAINT CLOUD, FL 34772-9318
Document Number	0060401848
Book / Page	6040 / 1848
Map Reference	MB 1 PG 395
Instrument Date	Sep 8, 2021
Instrument	2021140406
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4715 MALLARD DR, 4715, SAINT CLOUD, FL 34772-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 MALLARD DR, SAINT CLOUD, FL 34772-9318

Mortgage

Document Number	60401850
Date	Sep 10, 2021
Instrument	6040/1850

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2017
Property Address	4715 MALLARD DR, SAINT CLOUD, FL 34772-9318
Document Number	0051271773
Book / Page	005127 / 001773
Instrument Date	Mar 31, 2017
Instrument	51468
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 MALLARD DR ST CLOUD FL 347729318, ST CLOUD, FL 34772-9318

Mortgage

Document Number	51271774
Date	Apr 5, 2017
Book Page	005127/001774
Instrument	51469

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33609

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,307.00 (+7.19%) Homeowner's exemption	$300,316 (+5.99%)	$348,700 (+6.15%) Land $60,000 Building $288,700
2023	$4,018.00 (+4.09%) Homeowner's exemption	$283,353 (+3%)	$328,500 (+19.41%) Land $45,000 Building $283,500
2022	$3,860.00 Homeowner's exemption	$275,100 Land $40,000 Building $235,100	$275,100 Land $40,000 Building $235,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 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 Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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