4754 Lillian Black Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4754 Lillian Black Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	1.13 acres (49,222 sqft)
Owner	Company Name on Record
Last Sale	$345,000 (Sep 2023)
Tax Bill	$2,771 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`29-25-31-4910-0018-0010`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-4910-0018-0010`
Alternative APNs	`253129491000180010` `92641`

Exterior

Lot Area	49,222 sqft (1.13 acres)
Lot Dimensions	300 ft deep x 138 ft wide

Location & Zoning

Street Address	4754 LILLIAN BLACK RD
City	SAINT CLOUD
State	FL
Zip	34771
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	AC
Legal Description	RUNNYMEDE BLK 18 PB 1 PG 057 LOT 1 AND THAT PORTION OF VAC S LAKE AVE LYING BETWEEN & E OF THE HIGH WATER LINE OF E LAKE TOHO & W OF SAID LOT
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE NORTH HALF TOWN OF
Legal Tract	4910
Legal Block	18
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, 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	Company Name on Record
Mailing Address	9418 SILVER BUTTONWOOD ST, ORLANDO, FL 32832-5657
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 8, 2023	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK
Apr 30, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Jul 24, 2017	Warranty Deed, Transfer · Line of Credit CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	2023118614
Deed Book / Page	6471 / 760
Prior Transfer Date	Mar 27, 2015
Prior Transfer Doc	0047562696
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4754 LILLIAN BLACK RD, SAINT CLOUD, FL 34771
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4754 LILLIAN BLACK RD, SAINT CLOUD, FL 34771

Mortgage

Document Number	0068360231
Date	Aug 18, 2025
Book Page	6836/231
Instrument	2025102560

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	369 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.7%
Index	SOFR Average 30-Day
Max Rate	11.7%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 8, 2023
Property Address	4754 LILLIAN BLACK RD, SAINT CLOUD, FL 34771
Document Number	0064710760
Book / Page	6471 / 760
Map Reference	MB 1 PG 4&5
Instrument Date	Sep 8, 2023
Instrument	2023118614
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1704 NE OCEAN BLVD, STUART, FL 34996-2927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9418 SILVER BUTTONWOOD ST, ORLANDO, FL 32832-5657

Mortgage

Document Number	0006471764
Date	Sep 8, 2023
Instrument	6471/764

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Oct 1, 2028
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	SOFR Average 30-Day
Max Rate	12.5%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2021
Property Address	4754 LILLIAN BLACK RD, SAINT CLOUD, FL 34771
Document Number	0059472419
Book / Page	5947 / 2419
Map Reference	MB 1 PG 4&5
Instrument Date	Apr 29, 2021
Instrument	2021066041
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,365.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1009 S LAKE AVE, SAINT CLOUD, FL 34771-7260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 NE OCEAN BLVD, STUART, FL 34996-2927

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2017
Property Address	LILLIAN BLACK RD, SAINT CLOUD, FL 34771
Document Number	0051831265
Book / Page	005183 / 001265
Instrument Date	Jul 24, 2017
Instrument	107026
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1009 S LAKE AVE ST CLOUD FL 347717261, ST CLOUD, FL 34771-7261

Mortgage

Document Number	51831266
Date	Jul 24, 2017
Book Page	005183/001266
Instrument	107027

Lender

Name	CENTERSTATE BK/FL
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 23, 2022

Interest

Rate Type	Adjustable Rate

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	$2,771.00 (+0.36%)	$200,000 (-) Land $200,000	$200,000 (-) Land $200,000
2024	$2,761.00 (+49.65%)
2023	$1,845.00 (+65.03%)	$200,000 (+15%) Land $200,000	$200,000 (+15%) Land $200,000
2022	$1,118.00	$80,000 Land $80,000	$80,000 Land $80,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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