4818 Jeanette Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4818 Jeanette Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,910 sqft · built 1996
Lot Size	0.231 acres (10,062 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (May 2018)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	May 2018 Second Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0061-0001-0300`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0061-0001-0300`
Alternative APNs	`062631257600010300` `263106006100010300` `96104`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,910 sqft Living Area
Gross Area	2,522 sqft
1st Floor Area	1,910 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.231 acres)
Lot Dimensions	122 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4818 JEANETTE CT
City	SAINT CLOUD
State	FL
Zip	34771-4856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	ASHLEY OAKS PB 8 PG 44 LOT 30
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ASHLEY OAKS
Legal Tract	61
Legal Block	300
Legal Lot Number	30
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

4818 Jeanette Ct is owned and occupied by two individuals who bought it in May 2018.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4818 JEANETTE CT, SAINT CLOUD, FL 34771-4856
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 14, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FEDERAL SAVINGS BANK
Apr 2, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
May 10, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SVGS BK
May 14, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on File
Deed Sale	May 14, 2018 · Amount on File
Prior Sale	Jul 1, 1997 · Amount on File
Deed Document Number	201875923
Deed Book / Page	5333 / 710
Prior Transfer Date	Jun 24, 1997
Prior Transfer Doc	1412001134
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4818 JEANETTE CT, SAINT CLOUD, FL 34771-4856
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053330725
Date	May 14, 2018
Book Page	5333/0725
Instrument	2018075925

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2028

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4818 JEANETTE CT, SAINT CLOUD, FL 34771-4856
Document Number	0057110307
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4818 JEANETTE CT ST CLOUD FL 347714856, ST CLOUD, FL 34771-4856

Mortgage

Document Number	0057110307
Date	Apr 21, 2020
Book Page	005711/000307
Instrument	54463

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4818 JEANETTE CT, SAINT CLOUD, FL 34771-4856
Document Number	0053330712
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9453 BRACKIN ST ORLANDO FL 328256122, ORLANDO, FL 32825-6122

Mortgage

Document Number	0053330712
Date	May 14, 2018
Book Page	005333/000712
Instrument	75924

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2018
Property Address	4818 JEANETTE CT, SAINT CLOUD, FL 34771-4856
Document Number	0053330710
Book / Page	005333 / 000710
Instrument Date	May 10, 2018
Instrument	75923
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Tax	$1,596.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4818 JEANETTE CT ST CLOUD FL 347714856, ST CLOUD, FL 34771-4856

Tax Assessment & Valuation

The 2025 property tax bill for 4818 Jeanette Ct was $3,637 with a homeowner's exemption, up 3.5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,637.00 (+3.53%) Homeowner's exemption	$246,103	$359,300 Land $70,000 Building $289,300
2024	$3,513.00 (+2.66%)
2023	$3,422.00 (+3.6%) Homeowner's exemption	$232,202 (+3%)	$337,300 (+27.67%) Land $60,000 Building $277,300
2022	$3,303.00 Homeowner's exemption	$225,439	$264,200 Land $50,000 Building $214,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4818 Jeanette Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

Wildfire risk around 4818 Jeanette Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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