Osceola County property record for 4786 Rummell Rd, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,935 sqft · built 2017 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jul 2023 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 312531062200010050 |
| Primary APN | 312531062200010050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,935 sqft Heated Area |
| Gross Area | 4,157 sqft |
| 1st Floor Area | 2,935 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Type | Finished |
| Garage Area | 799 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 36 sqft |
| Porch | Open Porch |
| Porch Area | 423 sqft |
| Deck Area | 870 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4786 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 5 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUMMELL DOWNS |
| Legal Tract | 622 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43600 |
Source: Osceola County records · APN 312531062200010050
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 | Individual Name on File |
|---|---|
| Mailing Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 24, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jul 14, 2020 | Deed of Trust, Mortgage NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 24, 2023 |
| Deed Sale | Jul 24, 2023 |
| Prior Sale | May 24, 2017 · Amount on Record |
| Deed Document Number | 2023094626 |
| Deed Book / Page | 6444 / 1860 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0063281858 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 6328/1858 |
| Instrument | 2022177925 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 477 Months |
| Due | Sep 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 24, 2023 |
| Property Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0064441860 |
| Book / Page | 6444 / 1860 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 2023094626 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 ELDER AVE, BROWNS MILLS, NJ 08015-1853 |
| Name | Verified Name |
|---|---|
| Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4786 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0057600619 |
| Instrument Date | Jul 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2020 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4786 RUMMELL RD ST CLOUD FL 347717206, ST CLOUD, FL 34771-7206 |
| Document Number | 0057600619 |
|---|---|
| Date | Jul 23, 2020 |
| Book Page | 005760/000619 |
| Instrument | 96080 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 22, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 (-99.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $419,803 (+5.99%) | $593,300 (+22.79%) Land $75,000 Building $518,300 |
| 2023 | $2,717.00 (-55.31%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $396,090 (+3%) | $483,200 (+13.48%) Land $50,000 Building $433,200 |
| 2022 | $6,080.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $384,554 | $425,800 Land $50,000 Building $375,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 148 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 148 in force |
| Nearby Flood Claims | 5 (2016–2022) |
| Most Recent Claim | Oct 2022, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 50 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures