4816 E Lake Reserve Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4816 E Lake Reserve Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,607 sqft · built 2005
Lot Size	0.254 acres (11,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,800 (Jun 2020)
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2023 Transfer + 5 more
Flood Zone	Zone X (moderate risk)
APN	`19-25-31-3014-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-3014-0001-0030`
Alternative APNs	`253119301400010030` `113948`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,607 sqft Living Area
Gross Area	3,212 sqft
1st Floor Area	2,087 sqft
Flooring	Carpet

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.254 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	279 sqft
Porch	Florida Room
Porch Area	797 sqft
Deck Area	365 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4816 E LAKE RESERVE BLVD
City	SAINT CLOUD
State	FL
Zip	34771-8271
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 3
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 1
Legal Tract	3014
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1037
Census Tract	43600

Owner

Source: Osceola County records, as of March 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	2 Individual Names on Record
Mailing Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 1, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 24, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Nov 13, 2019	Grant Deed, Transfer ATTORNEY ONLY
Oct 23, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Oct 23, 2018 · Amount on Record
Deed Document Number	202081228
Deed Book / Page	5742 / 2768
Last Transfer Date	Jan 6, 2025
Transfer Doc	0067222949
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

Mortgage

Document Number	0065641975
Date	Mar 13, 2024
Book Page	6564/1975
Instrument	2024032752

Lender

Name	PNC BANK NA
Type	Bank
Address	222 DELAWARE AVE, WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 17, 2064

Interest

Change Frequency	Monthly

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2023
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Document Number	0064982641
Book / Page	6498 / 2641
Map Reference	MB 14 PG 97-99
Instrument Date	Nov 1, 2023
Instrument	2023144319
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

Mortgage

Document Number	0060472503
Date	Sep 21, 2021
Book Page	6047/2503
Instrument	2021145945

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056021389
Date	Oct 8, 2019
Book Page	5602/1389
Instrument	2019130021

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2020
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Document Number	0057422768
Book / Page	5742 / 2768
Map Reference	MB 14 PG 97-99
Instrument Date	Jun 19, 2020
Instrument	2020081228
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$810.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

Mortgage

Document Number	0057422770
Date	Jun 24, 2020
Instrument	5742/2770

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2019
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Document Number	0056222250
Book / Page	005622 / 002250
Instrument Date	Nov 8, 2019
Instrument	147516
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4816 E LAKE RESERVE BLVD ST CLOUD FL 347718271, ST CLOUD, FL 34771-8271

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2018
Property Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271
Document Number	0054211560
Book / Page	5421 / 1560
Map Reference	MB14 PG97-99
Instrument Date	Oct 22, 2018
Instrument	2018158217
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	CLASSIC TITLE & SOLUTIONS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, 4816, SAINT CLOUD, FL 34771-8271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4816 E LAKE RESERVE BLVD, SAINT CLOUD, FL 34771-8271

Mortgage

Document Number	2018158218
Date	Oct 23, 2018
Instrument	2018158218

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$3,379.00 (+5.53%)	$238,326 (+5.99%)	$460,900 (+5.66%) Land $82,500 Building $378,400
2024	$3,202.00 (+2.27%)
2023	$3,131.00 (+2.35%) Homeowner's exemption Widower's exemption	$224,865 (+3%)	$436,200 (+6.05%) Land $66,000 Building $370,200
2022	$3,059.00 Homeowner's exemption Widower's exemption	$218,316	$411,300 Land $60,500 Building $350,800

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	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 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.

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 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.

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