4840 Old Oak Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4840 Old Oak Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,617 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	2 Company Names on Record
Last Sale	$172,000 (Aug 2019)
Tax Bill	$4,044 (2025)
Deeds & Mortgages	Jul 2023 Transfer Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-8000-0001-0840`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-8000-0001-0840`
Alternative APNs	`253131800000010840` `92991`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,617 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	2,617 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	660 sqft
Porch	Finished/Open Porch
Porch Area	443 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4840 OLD OAK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	RUNNYMEDE OAK UNREC TRACT 84 AKA RUNNYMEDE BLK 71 E 39 FT LOT 5 & E 39 FT LOT 12 & ALL LOTS 6 & 11 & W 18 FT LOT 7 & W 18 FT LOT 10 & N 1/2 VAC P ST CONTIGUOUS TO SAME
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUNNYMEDE OAKS UNREC
Legal Tract	84
Legal Block	71
Legal Lot Number	84
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

Source: Osceola County records, as of March 30, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Aug 14, 2019	Quit Claim Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 31, 2019	Loan Modification, Mortgage REGIONS MTG
Aug 27, 2018	Warranty Deed, Construction Loan FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	2019104882
Deed Book / Page	5573 / 1000
Last Transfer Date	Jun 30, 2023
Transfer Doc	0064430645
Record Updated	Jun 8, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2023
Property Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Document Number	0064430645
Book / Page	6443 / 645
Map Reference	MB 1 PG 4&5
Instrument Date	Jun 30, 2023
Instrument	2023093427
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642

Mortgage

Document Number	0058391844
Date	Nov 24, 2020
Book Page	5839/1844
Instrument	2020161064

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2019
Property Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Document Number	0055731000
Book / Page	5573 / 1000
Map Reference	MB 1 PG 5
Instrument Date	Aug 1, 2019
Instrument	2019104882
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	SUNSTATE SETTLEMENT INC

Transaction

Amount	Amount Recorded
Tax	$1,204.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 W COCKARILE LOOP, 809, HERNANDO, FL 34442

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642

Mortgage

Document Number	0055731002
Date	Aug 14, 2019
Instrument	5573/1002

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Document Number	0055472958
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4840 OLD OAK TRL ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	0055472958
Date	Jun 26, 2019
Book Page	005547/002958
Instrument	82782

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

August 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 27, 2018
Property Address	4840 OLD OAK TRL, SAINT CLOUD, FL 34771-9642
Document Number	0053911488
Book / Page	005391 / 001488
Instrument Date	Aug 20, 2018
Instrument	129992
Transaction Type	Construction Loan
Record Updated	Sep 17, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$682.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9412 CANDICE CT ORLANDO FL 328325649, ORLANDO, FL 32832-5649

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	$4,044.00 (+5.09%)	$281,336 (+5.99%)	$479,600 (+9.77%) Land $95,000 Building $384,600
2024	$3,848.00 (+2.15%)
2023	$3,767.00 (+4.15%) Homeowner's exemption	$265,445 (+3%)	$436,900 (+17.79%) Land $85,000 Building $351,900
2022	$3,617.00 Homeowner's exemption	$257,714	$370,900 Land $70,000 Building $300,900

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	Moderate above 69% of the US · above 49% 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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