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4807 E Lake Reserve Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4807 E Lake Reserve Blvd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,481 sqft · built 2003
Lot Size0.277 acres (12,066 sqft)
Owner2 Individual Names on Record
Last Sale$219,000 (May 2009)
Tax Bill$3,269 (2025)
Deeds & MortgagesJul 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN19-25-31-3014-0001-0470

Property Details

APN / Parcel Number

Primary APN19-25-31-3014-0001-0470
Alternative APNs
  • 253119301400010470
  • 113992

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,481 sqft Living Area
Gross Area3,320 sqft
1st Floor Area2,481 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,066 sqft (0.277 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area377 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4807 E LAKE RESERVE BLVD
CitySAINT CLOUD
StateFL
Zip34771-8272
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionEAST LAKE RESERVE AT NARCOOSSEE UNIT ONE PB 14 PGS 97-99 LOT 47
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 1
Legal Tract3014
Legal Block470
Legal Lot Number47
Legal UnitON
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1042
Census Tract43600

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address4807 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 12, 2009 · Amount on Record
Deed SaleMay 12, 2009 · Amount on Record
Prior SaleMar 10, 2005 · Amount on Record
Deed Document Number200974426
Deed Book / Page3834 / 1126
Prior Transfer DateMar 2, 2005
Prior Transfer Doc0027241353
Record UpdatedJun 8, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4807 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057642724
DateJul 30, 2020
Book Page5764/2724
Instrument2020099609
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$3,269.00 (+5.52%) Homeowner's exemption$225,424 (+5.99%)$429,700 (+5.66%) Land $82,500 Building $347,200
2024$3,098.00 (+2.21%)
2023$3,031.00 (+4.48%) Homeowner's exemption$212,691 (+3%)$406,700 (+6.52%) Land $66,000 Building $340,700
2022$2,901.00 Homeowner's exemption$206,497$381,800 Land $60,500 Building $321,300

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

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

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 RiskModerate
above 59% of the US · lower than 67% 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: CenturyLink.

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