4775 Lake Shore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4775 Lake Shore Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,461 sqft · built 1989
Lot Size	0.31 acres (13,547 sqft)
Owner	2 Individual Names on File
Last Sale	$63,900 (Oct 1989)
Tax Bill	$1,500 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3026315130000I0090`

Property Details

APN / Parcel Number

Primary APN	`3026315130000I0090`
Alternative APN	`98510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,461 sqft Heated Area
Gross Area	2,736 sqft
1st Floor Area	1,281 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,547 sqft (0.31 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	270 sqft
Fence	Fence
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98510
Street Address	4775 LAKE SHORE DR
City	SAINT CLOUD
State	FL
Zip	34772-7575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK I LOT 9
Legal Range	31E
Legal Township	26S
Legal Section	30
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	1
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43304

Owner

4775 Lake Shore Dr is owned and occupied by two individuals who bought it in October 1989.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4775 LAKE SHORE DR, SAINT CLOUD, FL 34772-7575
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1989 · Amount on File
Deed Sale	Oct 1, 1989 · Amount on File
Deed Document Number	0000942832
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4775 LAKE SHORE DR, SAINT CLOUD, FL 34772-7575
Document Number	0056412525
Instrument Date	Dec 7, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 LAKE SHORE DR ST CLOUD FL 347727575, ST CLOUD, FL 34772-7575

Mortgage

Document Number	0056412525
Date	Dec 17, 2019
Book Page	005641/002525
Instrument	163231

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4775 Lake Shore Dr was $1,500 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$1,500.00 Homeowner's exemption	$97,745	$291,800 Land $60,000 Building $231,800
2023	$1,138.00 (+7.06%) Homeowner's exemption	$77,163 (+3%)	$256,700 (+20.91%) Land $45,000 Building $211,700
2022	$1,063.00 Homeowner's exemption	$74,916	$212,300 Land $40,000 Building $172,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4775 Lake Shore Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 4775 Lake Shore Dr is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250