4834 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4834 Citrus Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,537 sqft · built 1987
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Individual Names on File
Last Sale	$331,000 (Jan 2022)
Tax Bill	$3,926 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5130-00AA-0050`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5130-00AA-0050`
Alternative APNs	`263131513000AA0050` `98863`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,537 sqft Living Area
Gross Area	1,849 sqft
1st Floor Area	1,132 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,982 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Area	432 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	697 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4834 CITRUS DR
City	SAINT CLOUD
State	FL
Zip	34772-7948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK AA LOT 5
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	AA
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1065
Census Tract	43304

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Jun 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 18, 2022	Warranty Deed, Transfer · FHA Mortgage ANGEL OAK HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Apr 2, 2012 · Amount on Record
Deed Document Number	20229206
Deed Book / Page	6131 / 835
Prior Transfer Date	Sep 18, 2006
Prior Transfer Doc	0033802203
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051181630
Date	Mar 17, 2017
Book Page	5118/1630
Instrument	2017041846

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053432046
Date	Jun 4, 2018
Book Page	5343/2046
Instrument	2018085838

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060381423
Date	Sep 8, 2021
Book Page	6038/1423
Instrument	2021138856

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2022
Property Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948
Document Number	0061310835
Book / Page	6131 / 835
Map Reference	MB 1 PG 395
Instrument Date	Jan 13, 2022
Instrument	2022009206
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,317.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13202 SW 73RD ST, 13202, OCALA, FL 34481-5637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4834 CITRUS DR, SAINT CLOUD, FL 34772-7948

Mortgage

Document Number	0006131837
Date	Jan 18, 2022
Instrument	6131/837

Lender

Name	ANGEL OAK HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$3,926.00 (+5.14%) Homeowner's exemption	$272,810 (+5.99%)	$277,400 (+7.77%) Land $60,000 Building $217,400
2024	$3,734.00 (+2.16%)
2023	$3,655.00 (+188.48%) Homeowner's exemption	$257,400 (+187.37%) Land $45,000 Building $212,400	$257,400 (+20.62%) Land $45,000 Building $212,400
2022	$1,267.00 Homeowner's exemption	$89,570	$213,400 Land $40,000 Building $173,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 65% of the US · above 42% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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