Osceola County property record for 4802 Rummell Rd, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,962 sqft · built 2017 |
| Lot Size | 0.43 acres (18,730 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 31-25-31-0622-0001-0090 |
| Primary APN | 31-25-31-0622-0001-0090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,962 sqft Living Area |
| Gross Area | 3,980 sqft |
| 1st Floor Area | 1,387 sqft |
| Upper Floors Area | 1,575 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 | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 50 sqft |
| Porch | Florida Room |
| Porch Area | 418 sqft |
| Deck Area | 780 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4802 RUMMELL RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUMMELL DOWNS REPLAT 1 PB 25 PG 66 LOT 9 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUMMELL DOWNS REPLAT 1 |
| Legal Block | 90 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43600 |
Source: Osceola County records · APN 31-25-31-0622-0001-0090
Assessment roll updated November 26, 2025 · Last verified April 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 | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Feb 10, 2022 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 12, 2019 | Quit Claim Deed, Transfer · VA Mortgage MR COOPER |
| Dec 06, 2018 | Special Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2019 |
| Deed Sale | Sep 12, 2019 |
| Prior Sale | Dec 06, 2018 · Amount on Record |
| Deed Document Number | 2019117473 |
| Deed Book / Page | 5588 / 18 |
| Prior Transfer Date | Aug 19, 2019 |
| Prior Transfer Doc | 0055880018 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Document Number | 0069261482 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 6926/1482 |
| Instrument | 2026024162 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 13, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Document Number | 0061471430 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 6147/1430 |
| Instrument | 2022022267 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2042 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 12, 2019 |
| Property Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Document Number | 0055880018 |
| Book / Page | 005588 / 000018 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 117473 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4802 RUMMELL RD ST CLOUD FL 347717208, ST CLOUD, FL 34771-7208 |
| Document Number | 55880021 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 005588/000021 |
| Instrument | 117474 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 06, 2018 |
| Property Address | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Document Number | 0054451495 |
| Book / Page | 5445 / 1495 |
| Map Reference | MB25 PG66 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 2018179418 |
| 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 | $3,080.00 |
| 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 | 4802 RUMMELL RD, SAINT CLOUD, FL 34771-7208 |
| Document Number | 2018179419 |
|---|---|
| Date | Dec 06, 2018 |
| Instrument | 2018179419 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $415,240 (+19.76%) | $569,900 (+34.92%) Land $75,000 Building $494,900 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $346,736 (+3%) | $422,400 (+15.03%) Land $50,000 Building $372,400 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $336,637 | $367,200 Land $50,000 Building $317,200 |
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 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; lenders make the official flood determination.
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