Osceola County property record for 4782 Rummell Rd, Saint Cloud, FL 34771 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,808 sqft · built 2017 |
| Lot Size | 0.43 acres (18,730 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Apr 2021) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit May 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-25-31-0622-0001-0040 |
| Primary APN | 31-25-31-0622-0001-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,808 sqft Living Area |
| Gross Area | 5,140 sqft |
| 1st Floor Area | 3,258 sqft |
| Upper Floors Area | 550 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,730 sqft (0.43 acres) |
| Garage Type | Attached |
| Garage Area | 727 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 300 sqft |
| Porch | Florida Room |
| Porch Area | 605 sqft |
| Deck Area | 426 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4782 RUMMELL RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUMMELL DOWNS REPLAT 1 PB 25 PG 66 LOT 4 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUMMELL DOWNS REPLAT 1 |
| Legal Block | 40 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0622-0001-0040
Assessment roll updated November 26, 2025 · Last verified August 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 | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2022 | Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU |
| May 19, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Apr 12, 2021 | Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC |
| Jul 20, 2020 | Quit Claim Deed, Transfer · VA Mortgage MR COOPER |
| Mar 21, 2018 | Special Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 12, 2021 · Amount on Record |
| Deed Sale | Apr 12, 2021 · Amount on Record |
| Prior Sale | Jul 20, 2020 |
| Deed Document Number | 202154856 |
| Deed Book / Page | 5933 / 1248 |
| Prior Transfer Date | Apr 03, 2021 |
| Prior Transfer Doc | 0059331248 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0061881721 |
|---|---|
| Date | Apr 06, 2022 |
| Book Page | 6188/1721 |
| Instrument | 2022054759 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0059612147 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 5961/2147 |
| Instrument | 2021077181 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2021 |
| Property Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0059331248 |
| Book / Page | 5933 / 1248 |
| Map Reference | MB 25 PG 66 |
| Instrument Date | Apr 03, 2021 |
| Instrument | 2021054856 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0059331253 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 5933/1253 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 20, 2020 |
| Property Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0057571250 |
| Book / Page | 005757 / 001250 |
| Instrument Date | Jul 08, 2020 |
| Instrument | 93999 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2020 |
| Title Company | TITLE365/RECORDING DEPT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4782 RUMMELL RD ST CLOUD FL 347717206, ST CLOUD, FL 34771-7206 |
| Document Number | 57571254 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 005757/001254 |
| Instrument | 94000 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 21, 2018 |
| Property Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0053041184 |
| Book / Page | 5304 / 1184 |
| Map Reference | MB25 PG66 |
| Instrument Date | Mar 06, 2018 |
| Instrument | 2018045379 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,066.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9717 EAGLE CREEK CENTER BLVD STE 200, 9717, ORLANDO, FL 32832-6346 |
| Name | Verified Name |
|---|---|
| Address | 4782 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 2018045380 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 2018045380 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $4.00 Homeowner's exemption Veteran's exemption | $467,308 (+5.99%) | $673,700 (+23.41%) Land $75,000 Building $598,700 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $440,911 (+3.12%) | $545,900 (+15.17%) Land $50,000 Building $495,900 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $427,584 | $474,000 Land $50,000 Building $424,000 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 365 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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