Osceola County property record for 4825 Jay Dr, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2001 |
| Square Footage | 1,144 sqft Living Area |
| Lot Size | 13,939 sqft (0.32 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $167,500 (2017) |
| Tax Bill | $2,187.00 (2024) |
| Primary APN | 31-26-31-5130-000R-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 1,624 sqft Gross Area |
| 1st Floor | 1,144 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,939 sqft (0.32 acres) |
| Depth X Width | 140 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 435 sqft Garage |
| Porch Area | 45 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4825 JAY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8440 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK R LOT 9 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | R |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1058 |
| Census Tract | 43304 |
Source: Osceola County records · APN 31-26-31-5130-000R-0090
Assessment roll updated November 26, 2025 · Last verified July 2026
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 |
|---|---|
| Mailing Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 28, 2025 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Mar 24, 2022 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Sep 07, 2017 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 07, 2017 · Amount on Record |
| Deed Sale | Sep 07, 2017 · Amount on Record |
| Prior Sale | Jul 05, 2005 · Amount on Record |
| Deed Doc Number | 2017128716 |
| Deed Book / Page | 5205 / 2801 |
| Last Transfer Date | Nov 01, 2021 |
| Transfer Doc | 0000174132 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2025 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0068711998 |
|---|---|
| Date | Oct 28, 2025 |
| Book Page | 6871/1998 |
| Instrument | 2025133425 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Oct 27, 2060 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0061790035 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 6179/35 |
| Instrument | 2022047186 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 07, 2017 |
| Property Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0052052801 |
| Book / Page | 5205 / 2801 |
| Map Reference | MB1 PG395 |
| Instrument Date | Sep 01, 2017 |
| Instrument | 2017128716 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | RP TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,172.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 TESS CT, 412, ORLANDO, FL 32824-5715 |
| Name | Verified Name |
|---|---|
| Address | 4825 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0052052804 |
|---|---|
| Date | Sep 07, 2017 |
| Book Page | 5205/2804 |
| Instrument | 2017128717 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | OVERLAND PARK, KS 66213 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $2,328.00 (+6.45%) Homeowner's exemption | $157,478 (+5.99%) | $268,300 (+8.1%) Land $60,000 Building $208,300 |
| 2024 | $2,187.00 (+2.44%) | ||
| 2023 | $2,135.00 (+5.12%) Homeowner's exemption | $148,583 (+3%) | $248,200 (+21.01%) Land $45,000 Building $203,200 |
| 2022 | $2,031.00 Homeowner's exemption | $144,256 | $205,100 Land $40,000 Building $165,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 62% of the US · above 36% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 490 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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