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4811 E Lake Reserve Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4811 E Lake Reserve Blvd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,333 sqft · built 2003
Lot Size0.28 acres (12,197 sqft)
OwnerIndividual Name on File
Last Sale$39,500 (Jun 2003)
Tax Bill$3,183 (2025)
Deeds & MortgagesAug 2020 Mortgage
Flood ZoneZone X (moderate risk)
APN113997

Property Details

APN / Parcel Number

Primary APN113997
Alternative APN
  • 192531301400010490

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,333 sqft Heated Area
Gross Area3,200 sqft
1st Floor Area2,333 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,197 sqft (0.28 acres)
Garage TypeFinished
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area427 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number113997
Street Address4811 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 49
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract3014
Legal Block1
Legal Lot Number49
Legal UnitON
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1042
Census Tract43600

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4811 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 3, 2003 · Amount on Record
Deed SaleJun 3, 2003 · Amount on Record
Prior SaleMar 20, 2008 · Amount on Record
Deed Document Number0022631881
Last Transfer DateAug 12, 2020
Transfer Doc0057731296
Record UpdatedJun 8, 2026

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateAug 12, 2020
Property Address4811 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272
Document Number0057731296
Book / Page5773 / 1296
Map ReferenceMB 14 PG 97
Instrument DateAug 6, 2020
Instrument2020106465
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5242 HAMMOCK POINTE CT, 5242, SAINT CLOUD, FL 34771-8797

Transferred To (Grantee/Buyer)

NameVerified Name
Address4811 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8272

Mortgage

Document Number0057731297
DateAug 12, 2020
Instrument5773/1297
Lender
NameBELL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2035

Tax Assessment & Valuation

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$3,183.00 (+7.97%) Homeowner's exemption$219,167 (+5.99%)$419,000 (+5.75%) Land $82,500 Building $336,500
2023$2,948.00 (+4.5%) Homeowner's exemption$206,788 (+3%)$396,200 (+6.53%) Land $66,000 Building $330,200
2022$2,821.00 Homeowner's exemption$200,766$371,900 Land $60,500 Building $311,400

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 at the parcel

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 USA
Fixed Wireless		100 / 20

May also be available: Lumen Technologies.

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