4724 Mallard Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4724 Mallard Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1989
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (May 2018)
Tax Bill	$2,432 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`312631513000JJ0040`

Property Details

APN / Parcel Number

Primary APN	`312631513000JJ0040`
Alternative APN	`98966`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Heated Area
Gross Area	1,376 sqft
1st Floor Area	1,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98966
Street Address	4724 MALLARD DR
City	SAINT CLOUD
State	FL
Zip	34772-9317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK JJ LOT 4
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	JJ
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1072
Census Tract	43304

Owner

Source: Osceola County records · APN 312631513000JJ0040

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
Mailing Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 07, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED FIDELITY FUNDING CORP
May 31, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE LENDERS/AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Jan 16, 2004
Deed Document Number	2018084654
Deed Book / Page	5342 / 1484
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Transaction Type	Mortgage
Record Updated	Nov 05, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Investor	Possibly a Property Investor

Mortgage

Document Number	0068520083
Date	Sep 24, 2025
Book Page	6852/83
Instrument	2025116890

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2040

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317

Mortgage

Document Number	0059132402
Date	Mar 17, 2021
Book Page	5913/2402
Instrument	2021039428

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jun 01, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057042029
Date	Apr 07, 2020
Book Page	5704/2029
Instrument	2020047683

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	RIVERSIDE, MO 64150

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2018
Property Address	4724 MALLARD DR, SAINT CLOUD, FL 34772-9317
Document Number	0053421484
Book / Page	005342 / 001484
Instrument Date	May 24, 2018
Instrument	84654
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4724 MALLARD DR ST CLOUD FL 347729317, ST CLOUD, FL 34772-9317

Mortgage

Document Number	53421486
Date	May 31, 2018
Book Page	005342/001486
Instrument	84655

Lender

Name	MORTGAGE LENDERS/AMERICA
Type	Mortgage Company
Address	OVERLAND PARK, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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	$2,432.00 (+8.86%) Homeowner's exemption	$164,977 (+5.99%)	$245,100 (+8.55%) Land $60,000 Building $185,100
2023	$2,234.00 (+5.03%) Homeowner's exemption	$155,659 (+3%)	$225,800 (+21.01%) Land $45,000 Building $180,800
2022	$2,127.00 Homeowner's exemption	$151,126	$186,600 Land $40,000 Building $146,600

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250

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

Mobile Coverage

5G and 4G LTE

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