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4751 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4751 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,476 sqft · built 2003
Lot Size0.319 acres (13,939 sqft)
OwnerIndividual Name on File
Last Sale$350,000 (Nov 2023)
Tax Bill$4,380 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Oct 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN3126315130000X0120

Property Details

APN / Parcel Number

Primary APN3126315130000X0120
Alternative APN
  • 98839

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,476 sqft Heated Area
Gross Area1,983 sqft
1st Floor Area1,380 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,939 sqft (0.319 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage TypeFinished
Garage Area435 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed Porch
Porch Area168 sqft
Deck Area140 sqft
Patio Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98839
Street Address4751 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-8975
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK X LOT 12
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockX
Legal Lot Number12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1063
Census Tract43304

Owner

Source: Osceola County records · APN 3126315130000X0120

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 RecordIndividual Name on File
Mailing Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 01, 2023Warranty Deed, Transfer · FHA Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Oct 14, 2020Deed of Trust, Mortgage · FHA Mortgage
CHRISTENSEN FINANCIAL INC
Jun 19, 2017Warranty Deed, Transfer · FHA Mortgage
RP FUNDING INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 01, 2023 · Amount on Record
Deed SaleNov 01, 2023 · Amount on Record
Prior SaleJun 19, 2017 · Amount on Record
Deed Document Number2023144509
Deed Book / Page6499 / 300
Record UpdatedJun 08, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 01, 2023
Property Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975
Document Number0064990300
Book / Page6499 / 300
Map ReferenceMB 1 PG 395
Instrument DateOct 30, 2023
Instrument2023144509
Transaction TypeTransfer
Record UpdatedNov 17, 2023
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2625 TAYLOR CREEK RD, CHRISTMAS, FL 32709-8824

Transferred To (Grantee/Buyer)

NameVerified Name
Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975

Mortgage

Document Number0006499302
DateNov 01, 2023
Instrument6499/302
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2053

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975

Mortgage

Document Number0058121535
DateOct 14, 2020
Book Page5812/1535
Instrument2020138859
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 19, 2017
Property Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975
Document Number0051660575
Book / Page5166 / 0575
Map ReferenceMB1 PG395
Instrument DateJun 16, 2017
Instrument2017089028
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 116, VERGENNES, VT 05491-0116

Transferred To (Grantee/Buyer)

NameVerified Name
Address4751 CITRUS DR, SAINT CLOUD, FL 34772-8975

Mortgage

Document Number0051660576
DateJun 19, 2017
Instrument5166/0576
Lender
NameRP FUNDING INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,380.00 (+90.27%) Homeowner's exemption$305,600 (+90.42%) Land $60,000 Building $245,600$305,600 (+7.23%) Land $60,000 Building $245,600
2023$2,302.00 (+5.45%) Homeowner's exemption$160,491 (+3.45%)$285,000 (+21.59%) Land $45,000 Building $240,000
2022$2,183.00 Homeowner's exemption$155,137$234,400 Land $40,000 Building $194,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 629 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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