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4835 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4835 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,250 sqft · built 1987
Lot Size0.319 acres (13,939 sqft)
OwnerIndividual Name on File
Last Sale$330,000 (Feb 2024)
Tax Bill$3,579 (2025)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Jun 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN3126315130000Y0080

Property Details

APN / Parcel Number

Primary APN3126315130000Y0080
Alternative APN
  • 98847

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,250 sqft Heated Area
Gross Area1,745 sqft
1st Floor Area1,250 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area13,939 sqft (0.319 acres)
Lot Dimensions140 ft deep x 100 ft wide
Garage TypeFinished
Garage Area275 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFinished/Screened Porch
Porch Area220 sqft
FenceFence
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98847
Street Address4835 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-7949
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK Y LOT 8
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockY
Legal Lot Number8
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1064
Census Tract43304

Owner

Source: Osceola County records · APN 3126315130000Y0080

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2024Warranty Deed, Transfer · FHA Mortgage
THE MORTGAGE FIRM INC
Jun 24, 2021Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
Jan 14, 2020Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA
Dec 23, 2016Deed of Trust, Mortgage · VA Mortgage
BRANCH BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 22, 2024 · Amount on Record
Deed SaleFeb 22, 2024 · Amount on Record
Deed Document Number0065532110
Deed Book / Page6553 / 2110
Record UpdatedJun 08, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 22, 2024
Property Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949
Document Number0065532110
Book / Page6553 / 2110
Map ReferenceMB 1 PG 395
Instrument DateFeb 22, 2024
Instrument2024023372
Transaction TypeTransfer
Record UpdatedMar 20, 2024
Title CompanyRED DOOR TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2201 SUMMER RAYE CT, SAINT CLOUD, FL 34772-8588

Transferred To (Grantee/Buyer)

NameVerified Name
Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949

Mortgage

Document Number0065532112
DateFeb 22, 2024
Instrument6553/2112
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2054

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059880251
DateJun 24, 2021
Book Page5988/251
Instrument2021098715
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949
Document Number0056650532
Instrument DateJan 14, 2020
Transaction TypeMortgage
Record UpdatedFeb 20, 2020
Title CompanyTITLE365 - OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address4835 CITRUS DR ST CLOUD FL 347727949, ST CLOUD, FL 34772-7949

Mortgage

Document Number0056650532
DateJan 29, 2020
Book Page005665/000532
Instrument13801
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 28, 2050
Interest
Rate TypeAdjustable Rate

December 2016: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4835 CITRUS DR, SAINT CLOUD, FL 34772-7949
Document Number0050790092
Book / Page005079 / 000092
Instrument DateDec 23, 2016
Transaction TypeMortgage
Record UpdatedJan 19, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address4835 CITRUS DR ST CLOUD FL 347727949, ST CLOUD, FL 34772-7949

Mortgage

Document Number0050790092
DateJan 03, 2017
Book Page005079/000092
Instrument462
Lender
NameBRANCH BK&TR
TypeBank
AddressWILSON, NC 27893
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 02, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,579.00 (+476.33%) Homeowner's exemption$247,800 (+292.1%) Land $60,000 Building $187,800$247,800 (+16.07%) Land $60,000 Building $187,800
2023$621.00 (-37.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$63,198 (+3%)$213,500 (+20.49%) Land $45,000 Building $168,500
2022$988.00 Homeowner's exemption$61,358$177,200 Land $40,000 Building $137,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 62% of the US · above 36% of Florida
Wildfire LikelihoodAbout 1 in 490 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 190 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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