4736 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4736 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,088 sqft · built 2002
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Feb 2020)
Tax Bill	$7,494 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5130-00CC-0050`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5130-00CC-0050`
Alternative APNs	`263131513000CC0050` `98886`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,088 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	1,088 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
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
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	446 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4736 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 5
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	CC
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1061
Census Tract	43304

Owner

Source: Osceola County assessment roll, 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	Individual Name on File
Mailing Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 3, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 14, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2020 · Amount on Record
Deed Sale	Feb 14, 2020 · Amount on Record
Prior Sale	Apr 24, 2012 · Amount on Record
Deed Document Number	202023090
Deed Book / Page	5675 / 347
Prior Transfer Date	Jan 15, 2002
Prior Transfer Doc	1991001487
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978

Mortgage

Document Number	0063132141
Date	Nov 14, 2022
Book Page	6313/2141
Instrument	2022164600

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978

Mortgage

Document Number	0061422266
Date	Feb 3, 2022
Book Page	6142/2266
Instrument	2022018246

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2020
Property Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978
Document Number	0056750347
Book / Page	5675 / 347
Map Reference	MB 1 PG 395
Instrument Date	Feb 13, 2020
Instrument	2020023090
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13681 GA HIGHWAY 122, 13681, BARNEY, GA 31625-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4736 CITRUS DR, SAINT CLOUD, FL 34772-8978
Investor	Possibly a Property Investor

Mortgage

Document Number	0056750349
Date	Feb 14, 2020
Instrument	5675/0349

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$7,494.00 (+88.96%) Homeowner's exemption	$289,800 (+7.53%) Land $60,000 Building $229,800	$289,800 (+7.53%) Land $60,000 Building $229,800
2023	$3,966.00 (+13.54%)	$269,500 (+21.29%) Land $45,000 Building $224,500	$269,500 (+21.29%) Land $45,000 Building $224,500
2022	$3,493.00	$222,200 Land $40,000 Building $182,200	$222,200 Land $40,000 Building $182,200

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

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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