Osceola County property record for 4809 E Lake Reserve Blvd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,361 sqft · built 2003 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $376,000 (Mar 2007) |
| Tax Bill | $3,504 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 113993 |
| Primary APN | 113993 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,361 sqft Heated Area |
| Gross Area | 3,238 sqft |
| 1st Floor Area | 2,361 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,199 sqft (0.303 acres) |
| Garage Type | Finished |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 21 sqft |
| Porch | Open Porch |
| Porch Area | 417 sqft |
| Deck Area | 625 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 113993 |
|---|---|
| Street Address | 4809 E LAKE RESERVE BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPUD |
| Legal Description | EAST LAKE RESERVE AT NARCOOSSEE UNIT ONE PB 14 PGS 97-99 LOT 48 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 19 |
| Legal Subdivision | EAST LAKE RESERVE AT NARCOOSSEE UNIT 2 |
| Legal Tract | 3014 |
| Legal Block | 1 |
| Legal Lot Number | 48 |
| Legal Unit | ON |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4809 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2007 · Amount on Record |
| Deed Sale | Mar 8, 2007 · Amount on Record |
| Prior Sale | Jun 4, 2003 · Amount on Record |
| Deed Document Number | 2007048175 |
| Deed Book / Page | 3428 / 0845 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,504.00 (+7.82%) Homeowner's exemption Disabled Person's exemption | $247,381 (+5.99%) | $440,100 (+5.92%) Land $82,500 Building $357,600 |
| 2023 | $3,250.00 (+2.36%) Homeowner's exemption Disabled Person's exemption | $233,408 (+3%) | $415,500 (+6.21%) Land $66,000 Building $349,500 |
| 2022 | $3,175.00 Homeowner's exemption Disabled Person's exemption | $226,610 | $391,200 Land $60,500 Building $330,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures