4735 Oakwood Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4735 Oakwood Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 1988
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (May 2010)
Tax Bill	$1,245 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3126315130000V0080`

Property Details

APN / Parcel Number

Primary APN	`3126315130000V0080`
Alternative APN	`98812`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Heated Area
Gross Area	1,462 sqft
1st Floor Area	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	328 sqft
Deck Area	400 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98812
Street Address	4735 OAKWOOD DR
City	SAINT CLOUD
State	FL
Zip	34772-8304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK V LOT 8
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	5
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1055
Census Tract	43304

Owner

4735 Oakwood Dr is owned and occupied by an individual who bought it in May 2010.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	4735 OAKWOOD DR, SAINT CLOUD, FL 34772-8304
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2017	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Nov 20, 2019	Deed of Trust, Mortgage · Line of Credit PARTNERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2010 · Amount on File
Deed Sale	May 20, 2010 · Amount on File
Prior Sale	Feb 10, 2010
Deed Document Number	2010071461
Deed Book / Page	3987 / 0200
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4735 OAKWOOD DR, SAINT CLOUD, FL 34772-8304
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052370592
Date	Nov 9, 2017
Book Page	5237/0592
Instrument	2017160814

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2032

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4735 OAKWOOD DR, SAINT CLOUD, FL 34772-8304
Document Number	0056341650
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4735 OAKWOOD DR ST CLOUD FL 347728304, ST CLOUD, FL 34772-8304

Mortgage

Document Number	0056341650
Date	Dec 4, 2019
Book Page	005634/001650
Instrument	157185

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 3, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4735 Oakwood Dr was $1,245 with a homeowner's exemption.

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	$1,245.00 Homeowner's exemption	$79,341	$244,200 Land $60,000 Building $184,200
2023	$1,107.00 (+5.43%) Homeowner's exemption	$74,860 (+3%)	$224,200 (+18.69%) Land $45,000 Building $179,200
2022	$1,050.00 Homeowner's exemption	$72,680	$188,900 Land $40,000 Building $148,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4735 Oakwood Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4735 Oakwood Dr is moderate, ranking above 53% of the US, with a 0.2% annual chance of 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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