Osceola County property record for 4830 Citrus Oak Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,471 sqft · built 2002 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,411 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 92981 |
| Primary APN | 92981 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,471 sqft Heated Area |
| Gross Area | 3,310 sqft |
| 1st Floor Area | 2,471 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 377 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92981 |
|---|---|
| Street Address | 4830 CITRUS OAK LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR1 |
| Legal Description | RUNNYMEDE BLK 85 E 39 FT OF LOT 5 & 12; ALL OF LOTS 6 & 11 & W 18 FT OF LOT 7 & 10 AKA TRACT 74 RUNNYMEDE OAKS |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | RUNNYMEDE OAK UNREC |
| Legal Tract | 74 |
| Legal Block | 85 |
| Legal Lot Number | 5 12 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 43600 |
4830 Citrus Oak Ln is owned and occupied by two individuals who acquired it in February 2002.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4830 CITRUS OAK LN, SAINT CLOUD, FL 34771-9094 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2002 |
| Deed Sale | Feb 6, 2002 |
| Prior Sale | Mar 12, 2001 · Amount on File |
| Deed Document Number | 0199802609 |
| Deed Book / Page | 01847 / 00999 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4830 CITRUS OAK LN, SAINT CLOUD, FL 34771-9094 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4830 CITRUS OAK LN, SAINT CLOUD, FL 34771-9094 |
| Document Number | 0064620184 |
|---|---|
| Date | Aug 22, 2023 |
| Book Page | 6462/184 |
| Instrument | 2023110586 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4830 Citrus Oak Ln was $3,411 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,411.00 Homeowner's exemption | $235,616 | $421,600 Land $95,000 Building $326,600 |
| 2023 | $3,165.00 (+4.42%) Homeowner's exemption | $222,307 (+3%) | $384,700 (+18.52%) Land $85,000 Building $299,700 |
| 2022 | $3,031.00 Homeowner's exemption | $215,833 | $324,600 Land $70,000 Building $254,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4830 Citrus Oak Ln in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 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 |
|
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 risk around 4830 Citrus Oak Ln is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: CenturyLink, Spectrum.
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