4804 Meadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4804 Meadow Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1989
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$221,600 (Nov 2019)
Tax Bill	$2,784 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`312631513000FF0020`

Property Details

APN / Parcel Number

Primary APN	`312631513000FF0020`
Alternative APN	`98919`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Heated Area
Gross Area	1,918 sqft
1st Floor Area	1,512 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	406 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98919
Street Address	4804 MEADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-8497
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK FF LOT 2
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	FF
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1068
Census Tract	43304

Owner

Source: Osceola County records · APN 312631513000FF0020

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	4804 MEADOW DR, SAINT CLOUD, FL 34772-8497
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 18, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 25, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Sep 01, 2015 · Amount on Record
Deed Document Number	0056292072
Deed Book / Page	5629 / 2072
Record Updated	Jun 08, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4804 MEADOW DR, SAINT CLOUD, FL 34772-8497
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 MEADOW DR, SAINT CLOUD, FL 34772-8497

Mortgage

Document Number	0063460395
Date	Jan 19, 2023
Book Page	6346/395
Instrument	2023006856

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Feb 01, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4804 MEADOW DR, SAINT CLOUD, FL 34772-8497
Transaction Type	Mortgage
Record Updated	Feb 08, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058542543
Date	Dec 18, 2020
Book Page	5854/2543
Instrument	2020172679

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 25, 2019
Property Address	4804 MEADOW DR, SAINT CLOUD, FL 34772-8497
Document Number	0056292072
Book / Page	005629 / 002072
Instrument Date	Nov 25, 2019
Instrument	153477
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,550.83
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 MEADOW DR ST CLOUD FL 347728497, ST CLOUD, FL 34772-8497

Mortgage

Document Number	56292073
Date	Nov 25, 2019
Book Page	005629/002073
Instrument	153478

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$2,784.00 (+8.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$195,420 (+5.99%)	$285,800 (+7.56%) Land $60,000 Building $225,800
2023	$2,566.00 (+4.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$184,382 (+3%)	$265,700 (+20.88%) Land $45,000 Building $220,700
2022	$2,447.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$179,012	$219,800 Land $40,000 Building $179,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 459 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.

4804 Meadow Dr, Saint Cloud, FL 34772 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Meadow Dr

Nearby Streets

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