Osceola County property record for 4794 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 |
| Last Sale | $800,000 (Sep 2025) |
| Tax Bill | $6,720 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 312531062200010070 |
| Primary APN | 312531062200010070 |
|---|
| 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 Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 423 sqft |
| Deck Area | 734 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4794 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 7 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUMMELL DOWNS |
| Legal Tract | 622 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43600 |
Source: Osceola County records · APN 312531062200010070
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage RESICENTRAL LLC |
| Jul 02, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Prior Sale | Jul 02, 2019 · Amount on Record |
| Deed Document Number | 2025118564 |
| Deed Book / Page | 6854 / 300 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Title Company | COMPASS LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0060792965 |
|---|---|
| Date | Nov 04, 2021 |
| Book Page | 6079/2965 |
| Instrument | 2021171794 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 26, 2025 |
| Property Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0068540300 |
| Book / Page | 6854 / 300 |
| Map Reference | MB 25 PG 66 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 2025118564 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0006854302 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 6854/302 |
| Name | RESICENTRAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2019 |
| Property Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0055502555 |
| Book / Page | 5550 / 2555 |
| Map Reference | MB 25 PG 66 |
| Instrument Date | Jul 01, 2019 |
| Instrument | 2019085325 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1618 FLORIDA AVE, 1618, SAINT CLOUD, FL 34769-4428 |
| Name | Verified Name |
|---|---|
| Address | 4794 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Document Number | 0055502556 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 5550/2556 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,720.00 (+3.37%) Homeowner's exemption | $418,360 (+2.9%) | $592,700 (+0.03%) Land $75,000 Building $517,700 |
| 2024 | $6,501.00 (+2.39%) Homeowner's exemption | $406,570 (+3%) | $592,500 (+23.18%) Land $75,000 Building $517,500 |
| 2023 | $6,349.00 (+3.29%) Homeowner's exemption | $394,729 (+3%) | $481,000 (+13.85%) Land $50,000 Building $431,000 |
| 2022 | $6,147.00 Homeowner's exemption | $383,233 | $422,500 Land $50,000 Building $372,500 |
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 55% of the US · above 26% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 667 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 181 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Spectrum | Cable | 1,000 / 1,000 |
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