Osceola County property record for 4815 Hidden Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,924 sqft · built 1990 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Oct 2012) |
| Tax Bill | $3,150 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 92979 |
| Primary APN | 92979 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,924 sqft Heated Area |
| Gross Area | 2,978 sqft |
| 1st Floor Area | 1,924 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Finished |
| Garage Area | 700 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 614 sqft |
| Deck Area | 500 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92979 |
|---|---|
| Street Address | 4815 HIDDEN LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9068 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR1 |
| Legal Description | RUNNYMEDE OAK UNREC TRACT 72 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUNNYMEDE OAK UNREC |
| Legal Tract | 72 |
| Legal Block | 1 |
| Legal Lot Number | 72 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 43600 |
Source: Osceola County records · APN 92979
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4815 HIDDEN LN, SAINT CLOUD, FL 34771-9068 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 14, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 03, 2017 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Oct 22, 2020 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 01, 2012 · Amount on Record |
| Deed Sale | Oct 01, 2012 · Amount on Record |
| Prior Sale | Dec 28, 2007 · Amount on Record |
| Deed Document Number | 2012141254 |
| Deed Book / Page | 4328 / 1203 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4815 HIDDEN LN, SAINT CLOUD, FL 34771-9068 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0061292493 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 6129/2493 |
| Instrument | 2022008092 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4815 HIDDEN LN, SAINT CLOUD, FL 34771-9068 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0051730686 |
|---|---|
| Date | Jul 03, 2017 |
| Book Page | 5173/0686 |
| Instrument | 2017096632 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4815 HIDDEN LN, SAINT CLOUD, FL 34771-9068 |
| Document Number | 0058510800 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 08, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4815 HIDDEN LN ST CLOUD FL 347719068, ST CLOUD, FL 34771-9068 |
| Document Number | 0058510800 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 005851/000800 |
| Instrument | 169779 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Dec 14, 2048 |
| Rate | 3.12% |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,150.00 (+7.99%) Homeowner's exemption | $216,792 (+5.99%) | $354,200 (+9.46%) Land $95,000 Building $259,200 |
| 2023 | $2,917.00 (+8.92%) Homeowner's exemption | $204,547 (+7.36%) | $323,600 (+20.03%) Land $85,000 Building $238,600 |
| 2022 | $2,678.00 Homeowner's exemption | $190,532 | $269,600 Land $70,000 Building $199,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Lumen Technologies.
Based on FCC filings for 181 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures