Osceola County property record for 4798 Mallard Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1981 |
| Lot Size | 0.351 acres (15,290 sqft) |
| Owner | Individual Name on File |
| Last Sale | $345,900 (Dec 2024) |
| Tax Bill | $3,992 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Oct 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 312631513000KK0060 |
| Primary APN | 312631513000KK0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Heated Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 1,200 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,290 sqft (0.351 acres) |
| Lot Dimensions | 140 ft deep x 109 ft wide |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 608 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 98980 |
|---|---|
| Street Address | 4798 MALLARD DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAE1 |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK KK LOT 6 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | KK |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 43304 |
Source: Osceola County records · APN 312631513000KK0060
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 | 4798 MALLARD DR, SAINT CLOUD, FL 34772-9323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2023 | Deed of Trust, Mortgage · Commercial Mortgage SOUTH STATE BANK NA |
| Oct 27, 2022 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Dec 12, 2018 | Deed of Trust, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 02, 2024 · Amount on Record |
| Deed Sale | Dec 02, 2024 · Amount on Record |
| Prior Sale | Oct 27, 2022 · Amount on Record |
| Deed Document Number | 2024151355 |
| Deed Book / Page | 6703 / 657 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4798 MALLARD DR, SAINT CLOUD, FL 34772-9323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0064761117 |
|---|---|
| Date | Sep 19, 2023 |
| Book Page | 6476/1117 |
| Instrument | 2023123389 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34741 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 27, 2022 |
| Property Address | 4798 MALLARD DR, SAINT CLOUD, FL 34772-9323 |
| Document Number | 0063061765 |
| Book / Page | 6306 / 1765 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022158611 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4798 MALLARD DR, 4798, SAINT CLOUD, FL 34772-9323 |
| Name | Verified Name |
|---|---|
| Address | 4103 BOB WHITE CT, SAINT CLOUD, FL 34772-7793 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4798 MALLARD DR, SAINT CLOUD, FL 34772-9323 |
| Document Number | 0054522347 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 4798 MALLARD DR ST CLOUD FL 347729323, ST CLOUD, FL 34772-9323 |
| Document Number | 0054522347 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 005452/002347 |
| Instrument | 186102 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $3,992.00 (-5.49%) Homeowner's exemption | $277,600 (+7.6%) Land $60,000 Building $217,600 | $277,600 (+7.6%) Land $60,000 Building $217,600 |
| 2023 | $4,224.00 (+201.71%) | $258,000 (+160.27%) Land $45,000 Building $213,000 | $258,000 (+23.44%) Land $45,000 Building $213,000 |
| 2022 | $1,400.00 Homeowner's exemption | $99,129 | $209,000 Land $40,000 Building $169,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
Based on FCC filings for 240 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3494429, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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