Osceola County property record for 4765 Jay Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1992 |
| Square Footage | 1,197 sqft Heated Area |
| Lot Size | 19,602 sqft (0.45 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $6,500 (2004) |
| Tax Bill | $1,459.00 (2025) |
| Primary APN | 3126315130000Q0100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,197 sqft Heated Area |
| Gross Area | 1,804 sqft Gross Area |
| 1st Floor | 1,197 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Aluminum Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 19,602 sqft (0.45 acres) |
| Depth X Width | 98 ft x 100 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 399 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch | 1 Porch |
| Porch Area | 400 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 98756 |
|---|---|
| Street Address | 4765 JAY DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7571 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK Q LOTS 3 & 10 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | Q |
| Legal Lot Number | 3,10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1052 |
| Census Tract | 43304 |
Source: Osceola County records · APN 3126315130000Q0100
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 | 4765 JAY DR, SAINT CLOUD, FL 34772-7571 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 20, 2020 | Deed of Trust, Mortgage BANK OF AMERICA |
| Jul 27, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Dec 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 11, 2004 · Amount on Record |
| Deed Sale | Oct 11, 2004 · Amount on Record |
| Prior Sale | Dec 22, 1997 · Amount on Record |
| Deed Doc Number | 2004199353 |
| Deed Book / Page | 01458 / 01925 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4765 JAY DR, SAINT CLOUD, FL 34772-7571 |
| Document Number | 0056811227 |
| Instrument Date | Feb 20, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4765 JAY DR ST CLOUD FL 347727571, ST CLOUD, FL 34772-7571 |
| Document Number | 0056811227 |
|---|---|
| Date | Feb 27, 2020 |
| Book Page | 005681/001227 |
| Instrument | 28408 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4765 JAY DR, SAINT CLOUD, FL 34772-7571 |
| Document Number | 0053811304 |
| Instrument Date | Jul 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4765 JAY DR ST CLOUD FL 347727571, ST CLOUD, FL 34772-7571 |
| Document Number | 0053811304 |
|---|---|
| Date | Aug 08, 2018 |
| Book Page | 005381/001304 |
| Instrument | 121074 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 07, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4765 JAY DR, SAINT CLOUD, FL 34772-7571 |
| Document Number | 0052571917 |
| Instrument Date | Dec 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4765 JAY DR ST CLOUD FL 347727571, ST CLOUD, FL 34772-7571 |
| Document Number | 0052571917 |
|---|---|
| Date | Dec 20, 2017 |
| Book Page | 005257/001917 |
| Instrument | 181559 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,459.00 (+11.46%) Homeowner's exemption | $94,786 (+5.99%) | $257,400 (+8.11%) Land $60,000 Building $197,400 |
| 2023 | $1,309.00 (+29.86%) Homeowner's exemption | $89,433 (+37.62%) | $238,100 (+34.6%) Land $45,000 Building $193,100 |
| 2022 | $1,008.00 Homeowner's exemption | $64,984 | $176,900 Land $20,000 Building $156,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 629 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures