4815 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4815 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1987
Lot Size	0.319 acres (13,896 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Jul 2020)
Tax Bill	$2,689 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3126315130000Y0100`

Property Details

APN / Parcel Number

Primary APN	`3126315130000Y0100`
Alternative APN	`98849`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Gross Area	1,980 sqft
1st Floor Area	1,250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,896 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Area	250 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	730 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98849
Street Address	4815 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 10
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	Y
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1064
Census Tract	43304

Owner

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	4815 CITRUS DR, SAINT CLOUD, FL 34772-7949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Deed Document Number	2020098494
Deed Book / Page	5763 / 1316
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2020
Property Address	4815 CITRUS DR, SAINT CLOUD, FL 34772-7949
Document Number	0057631316
Book / Page	5763 / 1316
Map Reference	MB 1 PG 395
Instrument Date	Jul 27, 2020
Instrument	2020098494
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PARAGON TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4815 CITRUS DR, 4815, SAINT CLOUD, FL 34772-7949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4715 PINE TREE DR, SAINT CLOUD, FL 34772-8087

Mortgage

Document Number	0057631317
Date	Jul 28, 2020
Instrument	5763/1317

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$2,689.00 (+8.51%) Homeowner's exemption	$183,503 (+5.99%)	$257,700 (+8.28%) Land $60,000 Building $197,700
2023	$2,478.00 (+4.82%) Homeowner's exemption	$173,138 (+3%)	$238,000 (+20.93%) Land $45,000 Building $193,000
2022	$2,364.00 Homeowner's exemption	$168,096	$196,800 Land $40,000 Building $156,800

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 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

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 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)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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