4740 Rummell Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4740 Rummell Rd, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,395 sqft · built 2007
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2020)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`141477`

Property Details

APN / Parcel Number

Primary APN	`141477`
Alternative APN	`312531023400010013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,395 sqft Heated Area
Gross Area	3,553 sqft
1st Floor Area	2,395 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Detached - Finished
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	534 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	141477
Street Address	4740 RUMMELL RD
City	SAINT CLOUD
State	FL
Zip	34771-7206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM AT INT OF C/L OF MASSACHUSETTS AVE & S R/W OF RUMMEL RD, N 89 DEG E 148.85 FT TO POB; CONT N 89 DEG E 146.25 FT, S 250
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUMMELL DOWNS
Legal Tract	234
Legal Block	1
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2026
Census Tract	43600

Owner

Source: Osceola County records · APN 141477

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	2 Individual Names on File
Mailing Address	4740 RUMMELL RD, SAINT CLOUD, FL 34771-7206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 08, 2020 · Amount on Record
Deed Sale	May 08, 2020 · Amount on Record
Prior Sale	Mar 13, 2006 · Amount on Record
Deed Document Number	2020061735
Deed Book / Page	5719 / 1577
Record Updated	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 08, 2020
Property Address	4740 RUMMELL RD, SAINT CLOUD, FL 34771-7206
Document Number	0057191577
Book / Page	005719 / 001577
Instrument Date	May 06, 2020
Instrument	61735
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4740 RUMMELL RD ST CLOUD FL 347717206, ST CLOUD, FL 34771-7206

Mortgage

Document Number	57191579
Date	May 08, 2020
Book Page	005719/001579
Instrument	61736

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 07, 2050

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
Municipality	St. Cloud City
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	$4,853.00 (+6.03%) Homeowner's exemption	$314,048 (+5.99%)	$440,700 (+25.77%) Land $82,500 Building $358,200
2023	$4,577.00 (+3.44%) Homeowner's exemption	$296,309 (+3%)	$350,400 (+14.55%) Land $55,000 Building $295,400
2022	$4,425.00 Homeowner's exemption	$287,679	$305,900 Land $55,000 Building $250,900

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 120970436002, 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	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 148 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force 133 of 148 on primary residences
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Irma (Sep 2017), 2 claims

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 365 per year
Exposure	Direct burnable vegetation at the parcel

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.