Osceola County property record for 4750 Rummell Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,916 sqft · built 1987 |
| Lot Size | 1.14 acres (50,006 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Jul 2026) |
| Tax Bill | $4,026 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Oct 2023 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-25-31-3560-0001-0015 |
| Primary APN | 31-25-31-3560-0001-0015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 4,100 sqft |
| 1st Floor Area | 1,916 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 50,006 sqft (1.14 acres) |
| Garage Type | Detached |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 544 sqft |
| Porch | Enclosed/Finished Porch |
| Porch Area | 1,376 sqft |
| Deck Area | 1,040 sqft |
| Patio Area | 1,500 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 4750 RUMMELL RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | JJ JOHNSTONS REPLAT PB 1 PG 96 THE E 200 FT OF THE FOLLOWING: FROM NE COR LOT 18 BLK 103, TOWN OF RUNNYMEDE,E ALONG S R/W RUMMEL RD, 30.90 FT TO C/L OF VACATED MASS AVE BEING THE POB; E ALONG R/W 495.1 FT, S 250 FT, W 556.75 FT TO C/L OF MASS AVE, N |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | JOHN J JOHNSTONS |
| Legal Tract | 3560 |
| Legal Block | 103 |
| Legal Lot Number | 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-3560-0001-0015
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 01, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Oct 13, 2023 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Nov 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jan 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2026 · Amount on Record |
| Deed Sale | Jul 01, 2026 · Amount on Record |
| Prior Sale | May 19, 2016 · Amount on Record |
| Deed Document Number | 202686193 |
| Deed Book / Page | 6996 / 2855 |
| Prior Transfer Date | Mar 29, 2007 |
| Prior Transfer Doc | 0034441293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 01, 2026 |
| Property Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0000086193 |
| Book / Page | 6996 / 2855 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202686193 |
| Transaction Type | Transfer |
| Record Updated | Jul 09, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $452,480.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0000086194, |
|---|---|
| Date | Jul 01, 2026 |
| Instrument | 202686194 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0064890769 |
|---|---|
| Date | Oct 13, 2023 |
| Book Page | 6489/769 |
| Instrument | 2023135057 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0058281255 |
|---|---|
| Date | Nov 06, 2020 |
| Book Page | 5828/1255 |
| Instrument | 2020151961 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | EMERALD COAST TITLE INC, EMERALD COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 4750 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0061281628 |
|---|---|
| Date | Jan 13, 2022 |
| Book Page | 6128/1628 |
| Instrument | 2022007094 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,026.00 (+3.5%) Homeowner's exemption | $267,815 (+5.99%) | $441,500 (+25%) Land $86,200 Building $355,300 |
| 2024 | $3,890.00 (+2.61%) | ||
| 2023 | $3,791.00 (+3.52%) Homeowner's exemption | $252,688 (+3%) | $353,200 (+12.99%) Land $57,500 Building $295,700 |
| 2022 | $3,662.00 Homeowner's exemption | $245,329 | $312,600 Land $57,500 Building $255,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 148 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 5 (2016–2022) |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Spectrum, Verizon.
Based on FCC filings for 50 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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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