4805 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4805 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1986
Lot Size	0.317 acres (13,852 sqft)
Owner	Individual Name on File
Last Sale	$323,000 (Dec 2022)
Tax Bill	$3,991 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`3126315130000Y0110`

Property Details

APN / Parcel Number

Primary APN	`3126315130000Y0110`
Alternative APN	`98850`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,825 sqft
1st Floor Area	1,200 sqft
Flooring	Carpet
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	Metal
Lot Area	13,852 sqft (0.317 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	325 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98850
Street Address	4805 CITRUS DR
City	SAINT CLOUD
State	FL
Zip	34772-7949
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 11
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	Y
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1064
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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	4805 CITRUS DR, SAINT CLOUD, FL 34772-7949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 30, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	Sep 30, 2014 · Amount on Record
Deed Document Number	2022185352
Deed Book / Page	6337 / 551
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2022
Property Address	4805 CITRUS DR, SAINT CLOUD, FL 34772-7949
Document Number	0063370551
Book / Page	6337 / 551
Map Reference	MB 1 PG 395
Instrument Date	Dec 23, 2022
Instrument	2022185352
Transaction Type	Transfer
Record Updated	Jan 16, 2023
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	N3899 TOWER ROAD, NEILLSVILLE, WI 54456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4805 CITRUS DR, SAINT CLOUD, FL 34772-7949

Mortgage

Document Number	0006337553
Date	Dec 29, 2022
Instrument	6337/553

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4805 CITRUS DR, SAINT CLOUD, FL 34772-7949
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053242391
Date	Apr 30, 2018
Book Page	5324/2391
Instrument	2018067820

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,991.00 (-5.45%) Homeowner's exemption	$277,500 (+7.64%) Land $60,000 Building $217,500	$277,500 (+7.64%) Land $60,000 Building $217,500
2023	$4,221.00 (+183.67%)	$257,800 (+144.64%) Land $45,000 Building $212,800	$257,800 (+20.98%) Land $45,000 Building $212,800
2022	$1,488.00 Homeowner's exemption	$105,381	$213,100 Land $40,000 Building $173,100

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.

Flood

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 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

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

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 at the parcel

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)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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