4825 Lillian Black Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4825 Lillian Black Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,534 sqft · built 1981
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$143,000 (May 2015)
Tax Bill	$1,629 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92625`

Property Details

APN / Parcel Number

Primary APN	`92625`
Alternative APN	`292531491000090110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,534 sqft Heated Area
Gross Area	2,190 sqft
1st Floor Area	784 sqft
Upper Floors Area	750 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Width	132 ft Width
Garage Type	Finished
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92625
Street Address	4825 LILLIAN BLACK RD
City	SAINT CLOUD
State	FL
Zip	34771-9017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1M
Legal Description	RUNNYMEDE PB 1 PG 57 COM AT NE COR BLK 9, S 14 DEG W 652.17 FT, W 172.17 FT TO POB; CONT W 132 FT, S 330.76 FT TO S/L BLK 9,
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE BLKS AND CHISHOLM TRAILS
Legal Tract	4910
Legal Block	9
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4825 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 22, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2015 · Amount on Record
Deed Sale	May 15, 2015 · Amount on Record
Deed Document Number	2015070161
Deed Book / Page	4780 / 0129
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4825 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9017
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060760103
Date	Oct 29, 2021
Book Page	6076/103
Instrument	2021168736

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4825 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058172575
Date	Oct 22, 2020
Book Page	5817/2575
Instrument	2020143228

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,629.00 (+11.04%) Homeowner's exemption Disabled Person's exemption	$112,006 (+5.99%)	$241,600 (+9.77%) Land $65,000 Building $176,600
2023	$1,467.00 (+1.73%) Homeowner's exemption Disabled Person's exemption	$105,680 (+3%)	$220,100 (+20.21%) Land $65,000 Building $155,100
2022	$1,442.00 Homeowner's exemption Disabled Person's exemption	$102,602	$183,100 Land $52,000 Building $131,100

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 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	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.3% 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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