4724 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4724 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,303 sqft · built 2004
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Mar 2021)
Tax Bill	$4,626 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5130-00CC-0040`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5130-00CC-0040`
Alternative APNs	`263131513000CC0040` `98885`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,303 sqft Living Area
Gross Area	1,323 sqft
1st Floor Area	1,303 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	140 ft deep x 100 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	20 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4724 CITRUS DR
City	SAINT CLOUD
State	FL
Zip	34772-8978
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK CC LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	CC
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1061
Census Tract	43304

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021 · Amount on Record
Deed Sale	Mar 24, 2021 · Amount on Record
Prior Sale	May 30, 2019 · Amount on Record
Deed Document Number	202143786
Deed Book / Page	5919 / 776
Prior Transfer Date	Jan 29, 2015
Prior Transfer Doc	0047292344
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052032852
Date	Sep 1, 2017
Book Page	5203/2852
Instrument	2017126830

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 24, 2021
Property Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978
Document Number	0059190776
Book / Page	5919 / 776
Map Reference	MB 1 PG 395
Instrument Date	Mar 23, 2021
Instrument	2021043786
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 CARTWAY LN, 126, STATESVILLE, NC 28625-2354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978

Mortgage

Document Number	0005919777
Date	Mar 24, 2021
Instrument	5919/777

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2019
Property Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978
Document Number	0055322114
Book / Page	5532 / 2114
Map Reference	MB 1 PG 395
Instrument Date	May 30, 2019
Instrument	2019069766
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,421.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2895 HARLOW AVE, 2895, SAINT CLOUD, FL 34772-8995

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 CITRUS DR, SAINT CLOUD, FL 34772-8978

Mortgage

Document Number	0055322115
Date	May 30, 2019
Instrument	5532/2115

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,626.00 (+6.76%)	$282,500 (+7.74%) Land $60,000 Building $222,500	$282,500 (+7.74%) Land $60,000 Building $222,500
2024	$4,333.00 (+6.07%)
2023	$4,085.00 (+13.16%)	$262,200 (+20.77%) Land $45,000 Building $217,200	$262,200 (+20.77%) Land $45,000 Building $217,200
2022	$3,610.00	$217,100 Land $40,000 Building $177,100	$217,100 Land $40,000 Building $177,100

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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