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4805 Oakwood Dr, Saint Cloud, FL 34772 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,552 sqft · built 1987
Lot Size0.321 acres (14,026 sqft)
OwnerIndividual Name on File
Last Sale$86,500 (Feb 2012)
Tax Bill$1,624 (2025)
Deeds & MortgagesNov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN3126315130000T0110

Property Details

APN / Parcel Number

Primary APN3126315130000T0110
Alternative APN
  • 98791

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,552 sqft Heated Area
Gross Area2,140 sqft
1st Floor Area1,240 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,026 sqft (0.321 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage TypeFinished
Garage Area372 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchEnclosed Porch
Porch Area528 sqft
FenceFence
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98791
Street Address4805 OAKWOOD DR
CitySAINT CLOUD
StateFL
Zip34772-8314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAE1
Legal DescriptionST. CLOUD MANOR VILLAGE PB 1 PG 395 BLK T LOT 11
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockT
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1057
Census Tract43304

Owner

4805 Oakwood Dr is owned and occupied by an individual who acquired it in November 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address4805 OAKWOOD DR, SAINT CLOUD, FL 34772-8314
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2012 · Amount on File
Deed SaleFeb 6, 2012 · Amount on File
Prior SaleFeb 6, 2012 · Amount on File
Deed Document Number0042272917
Last Transfer DateNov 3, 2020
Transfer Doc0058251014
Record UpdatedJun 8, 2026

November 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 3, 2020
Property Address4805 OAKWOOD DR, SAINT CLOUD, FL 34772-8314
Document Number0058251014
Book / Page5825 / 1014
Map ReferenceMB 1 PG 395
Instrument DateOct 28, 2020
Instrument2020149267
Transaction TypeTransfer
Record UpdatedFeb 8, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4805 OAKWOOD DR, SAINT CLOUD, FL 34772-8314

Mortgage

Document Number0058251015
DateNov 3, 2020
Instrument5825/1015
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4805 Oakwood Dr was $1,624 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,624.00 Homeowner's exemption$106,671$270,700 Land $60,000 Building $210,700
2023$1,466.00 (+6.23%) Homeowner's exemption$100,646 (+3%)$250,900 (+20.86%) Land $45,000 Building $205,900
2022$1,380.00 Homeowner's exemption$97,715$207,600 Land $40,000 Building $167,600

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

Flood

FEMA maps place 4805 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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 4805 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 RiskModerate
above 61% of the US · lower than 63% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemCOLONIAL MOBILE HOME PARK
private · serves 115 people · EPA ID FL3490265
Water SourceGroundwater
Last State InspectionApr 2025
Also Mapped HereTOHO WATER AUTHORITY-POINCIANA SYSTEM
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

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

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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