Osceola County property record for 4785 Citrus Oak Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,661 sqft · built 1992 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Apr 1997) |
| Tax Bill | $3,385 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 92933 |
| Primary APN | 92933 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 1 Plumbing Fixture |
| Stories | 2 Stories |
| Building Area | 2,661 sqft Heated Area |
| Gross Area | 4,088 sqft |
| 1st Floor Area | 1,470 sqft |
| Upper Floors Area | 1,191 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 44,867 sqft (1.03 acres) |
| Garage Type | Finished |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 927 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92933 |
|---|---|
| Street Address | 4785 CITRUS OAK LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR1 |
| Legal Description | RUNNYMEDE BLK 73 E 43 FT OF LOTS 3 & 6 ALL LOTS 4 & 5, W 7 FT OF VAC CONN AVE ABUTTING LOTS 4 & 5, ALL VAC P STREET ABUTTING |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUNNYMEDE OAK UNREC |
| Legal Tract | 4 |
| Legal Block | 73 |
| Legal Lot Number | 3-6 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 43600 |
4785 Citrus Oak Ln is owned and occupied by two individuals who bought it in April 1997.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4785 CITRUS OAK LN, SAINT CLOUD, FL 34771-9092 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 1997 · Amount on File |
| Deed Sale | Apr 16, 1997 · Amount on File |
| Deed Document Number | 0139402320 |
| Deed Book / Page | 01394 / 02320 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4785 CITRUS OAK LN, SAINT CLOUD, FL 34771-9092 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0052190516 |
|---|---|
| Date | Oct 5, 2017 |
| Book Page | 5219/0516 |
| Instrument | 2017142635 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 4, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4785 Citrus Oak Ln was $3,385 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,385.00 Homeowner's exemption | $233,799 | $410,900 Land $97,800 Building $313,100 |
| 2023 | $3,141.00 (+4.42%) Homeowner's exemption | $220,593 (+3%) | $373,700 (+18.37%) Land $87,600 Building $286,100 |
| 2022 | $3,008.00 Homeowner's exemption | $214,168 | $315,700 Land $72,100 Building $243,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4785 Citrus Oak Ln in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 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 |
|
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 risk around 4785 Citrus Oak Ln is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: CenturyLink, Spectrum.
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