4804 Oakwood Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4804 Oakwood Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 1986
Lot Size	0.317 acres (13,852 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Mar 2019)
Tax Bill	$4,376 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3126315130000Y0020`

Property Details

APN / Parcel Number

Primary APN	`3126315130000Y0020`
Alternative APN	`98841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,210 sqft Heated Area
Gross Area	1,510 sqft
1st Floor Area	1,210 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,852 sqft (0.317 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Mixed
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98841
Street Address	4804 OAKWOOD DR
City	SAINT CLOUD
State	FL
Zip	34772-8313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK Y LOT 2
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	Y
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1064
Census Tract	43304

Owner

4804 Oakwood Dr is owned and occupied by an individual who bought it in March 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4804 OAKWOOD DR, SAINT CLOUD, FL 34772-8313
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Mar 15, 2019	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Jul 6, 2017	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Prior Sale	Jul 6, 2017 · Amount on File
Deed Document Number	2019033240
Deed Book / Page	5491 / 2835
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4804 OAKWOOD DR, SAINT CLOUD, FL 34772-8313
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 OAKWOOD DR, SAINT CLOUD, FL 34772-8313

Mortgage

Document Number	0058291315
Date	Nov 9, 2020
Book Page	5829/1315
Instrument	2020153018

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 15, 2019
Property Address	4804 OAKWOOD DR, SAINT CLOUD, FL 34772-8313
Document Number	0054912835
Book / Page	5491 / 2835
Map Reference	MB 1 PG 395
Instrument Date	Feb 28, 2019
Instrument	2019033240
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,309.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2915 TAZEWELL PIKE, 2915, KNOXVILLE, TN 37918-1874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 OAKWOOD DRIVE, ORANGE CITY, FL 32774

Mortgage

Document Number	2019033241
Date	Mar 15, 2019
Instrument	2019033241

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2017
Property Address	4804 OAKWOOD DR, SAINT CLOUD, FL 34772-8313
Document Number	0051750828
Book / Page	5175 / 0828
Map Reference	MB1 PG395
Instrument Date	Jun 30, 2017
Instrument	2017098453
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	462 E 100 S, 462, EPHRAIM, UT 84627-5550

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12496 BETH LN, SAINT CLOUD, FL 34772

Mortgage

Document Number	0051750830
Date	Jul 6, 2017
Instrument	5175/0830

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4804 Oakwood Dr was $4,376 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,376.00 Homeowner's exemption	$181,091	$262,400 Land $60,000 Building $202,400
2023	$4,167.00 (+78.61%) Homeowner's exemption	$170,863 (+3%)	$243,700 (+20.23%) Land $45,000 Building $198,700
2022	$2,333.00 Homeowner's exemption	$165,887	$202,700 Land $40,000 Building $162,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4804 Oakwood Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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.

Wildfire

Wildfire risk around 4804 Oakwood Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 61% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLONIAL MOBILE HOME PARK private · serves 115 people · EPA ID FL3490265
Water Source	Groundwater
Last State Inspection	Apr 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oakwood Dr

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