Osceola County property record for 4725 Citrus Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,430 sqft · built 1987 |
| Lot Size | 0.321 acres (14,026 sqft) |
| Owner | Individual Name on File |
| Last Sale | $335,000 (May 2023) |
| Tax Bill | $2,525 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage May 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3126315130000W0090 |
| Primary APN | 3126315130000W0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,430 sqft Heated Area |
| Gross Area | 1,490 sqft |
| 1st Floor Area | 1,144 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,026 sqft (0.321 acres) |
| Lot Dimensions | 140 ft deep x 100 ft wide |
| Garage Area | 286 sqft |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 346 sqft |
| Deck Area | 288 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 98824 |
|---|---|
| Street Address | 4725 CITRUS DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAE1 |
| Legal Description | ST CLUD MANOR VILLAGE PB 1 PG 395 BLK W LOT 9 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | W |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 43304 |
Source: Osceola County records · APN 3126315130000W0090
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4725 CITRUS DR, SAINT CLOUD, FL 34772-8979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 02, 2023 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 18, 2022 | Warranty Deed, Transfer · Line of Credit UNITED SOUTHERN BANK |
| Oct 24, 2019 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| May 03, 2019 | Warranty Deed, Transfer NU WORLD TITLE/CTRL FL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2023 · Amount on Record |
| Deed Sale | May 02, 2023 · Amount on Record |
| Prior Sale | May 18, 2022 · Amount on Record |
| Deed Document Number | 2023054172 |
| Deed Book / Page | 6398 / 1609 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 02, 2023 |
| Property Address | 4725 CITRUS DR, SAINT CLOUD, FL 34772-8979 |
| Document Number | 0063981609 |
| Book / Page | 6398 / 1609 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023054172 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | PREMIER FLORIDA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4392 SUMMER BREEZE WAY, KISSIMMEE, FL 34744-9603 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0063981611 |
|---|---|
| Date | May 02, 2023 |
| Instrument | 6398/1611 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 18, 2022 |
| Property Address | 4725 CITRUS DR, SAINT CLOUD, FL 34772-8979 |
| Document Number | 0062162195 |
| Book / Page | 6216 / 2195 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | Mar 03, 2022 |
| Instrument | 2022078731 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2022 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4725 CITRUS DR, 4725, SAINT CLOUD, FL 34772-8979 |
| Name | Verified Name |
|---|---|
| Address | 4392 SUMMER BREEZE WAY, KISSIMMEE, FL 34744-9603 |
| Document Number | 0062162197 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 6216/2197 |
| Name | UNITED SOUTHERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Mar 04, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 24, 2019 |
| Property Address | 4725 CITRUS DR, SAINT CLOUD, FL 34772-8979 |
| Document Number | 0056111623 |
| Book / Page | 5611 / 1623 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | Oct 18, 2019 |
| Instrument | 2019137886 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | AMERICAN TITLE TRUST LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,574.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 800 GRAPE AVE, 800, SAINT CLOUD, FL 34769-3027 |
| Name | Verified Name |
|---|---|
| Address | 3501 PIXIE LN, SAINT CLOUD, FL 34772-8254 |
| Document Number | 0056111625 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 5611/1625 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 03, 2019 |
| Property Address | 4725 CITRUS DR, SAINT CLOUD, FL 34772-8979 |
| Document Number | 0055182976 |
| Book / Page | 005518 / 002976 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 57549 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | NU WORLD TITLE/CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 800 GRAPE AVE ST CLOUD FL 347693027, ST CLOUD, FL 34769-3027 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,525.00 (-41.06%) Homeowner's exemption | $171,670 (-34.55%) | $282,300 (+7.62%) Land $60,000 Building $222,300 |
| 2023 | $4,284.00 (+18.77%) | $262,300 (+20.93%) Land $45,000 Building $217,300 | $262,300 (+20.93%) Land $45,000 Building $217,300 |
| 2022 | $3,607.00 | $216,900 Land $40,000 Building $176,900 | $216,900 Land $40,000 Building $176,900 |
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
| 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 |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 240 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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