4815 Citrus Oak Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4815 Citrus Oak Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,534 sqft · built 1983
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Sep 2021)
Tax Bill	$4,694 (2025)
Deeds & Mortgages	Feb 2022 Transfer Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-8000-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-8000-0001-0020`
Alternative APNs	`253131800000010020` `92931`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,534 sqft Living Area
Gross Area	3,546 sqft
1st Floor Area	2,534 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4815 CITRUS OAK LN
City	SAINT CLOUD
State	FL
Zip	34771-9015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	RUNNYMEDE OAK UNREC TRACT 2 AKA RUNNYMEDE BLK 74 E 3 FT LOTS 1 & 16 & ALL LOTS 2 & 15 & W 54 FT LOTS 3 & 14 & S 1/2 VAC P ST CONTIGUOUS TO SAME
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUNNYMEDE OAKS UNREC
Legal Tract	2
Legal Block	74
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

Source: Osceola County records, as of April 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Correction Deed UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL
Dec 14, 2021	Correction Deed CLEAR CHOICE TITLE, A CLEAR CHOICE TITLE
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Aug 28, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Feb 10, 2015 · Amount on File
Deed Document Number	2021150967
Deed Book / Page	6054 / 143
Last Transfer Date	Jan 28, 2022
Transfer Doc	0061402418
Record Updated	Oct 29, 2026

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 1, 2022
Property Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015
Document Number	0061402418
Book / Page	6140 / 2418
Map Reference	MB 1 PG 4&5
Instrument Date	Jan 28, 2022
Instrument	2022016811
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015

December 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 14, 2021
Property Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015
Document Number	0061071599
Book / Page	6107 / 1599
Map Reference	MB 1 PG 4&5
Instrument Date	Oct 2, 2021
Instrument	2021192619
Record Updated	Dec 12, 2025
Title Company	CLEAR CHOICE TITLE, A CLEAR CHOICE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4760 EASTWIND RD, VIRGINIA BEACH, VA 23464-3226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2021
Property Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015
Document Number	0060540143
Book / Page	6054 / 143
Map Reference	MB 1 PG 4&5
Instrument Date	Sep 26, 2021
Instrument	2021150967
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CLEAR CHOICE TITLE, A CLEAR CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015

Mortgage

Document Number	0006054145
Date	Sep 29, 2021
Instrument	6054/145

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4815 CITRUS OAK LN, SAINT CLOUD, FL 34771-9015
Document Number	0054622717
Instrument Date	Aug 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4815 CITRUS OAK LN ST CLOUD FL 347719015, ST CLOUD, FL 34771-9015

Mortgage

Document Number	0054622717
Date	Jan 15, 2019
Book Page	005462/002717
Instrument	5599

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 14, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,694.00 (+4.82%) Homeowner's exemption	$328,263 (+5.99%)	$396,700 (+11%) Land $95,000 Building $301,700
2024	$4,478.00 (+2.1%)
2023	$4,386.00 (+3.98%) Homeowner's exemption	$309,721 (+3%)	$357,400 (+18.86%) Land $85,000 Building $272,400
2022	$4,218.00 Homeowner's exemption	$300,700 Land $70,000 Building $230,700	$300,700 Land $70,000 Building $230,700

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 File 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	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 Risk	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Spectrum.

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