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4843 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4843 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,776 sqft · built 2002
Lot Size0.205 acres (8,930 sqft)
OwnerIndividual Name on Record
Last Sale$125,000 (Nov 2020)
Tax Bill$3,394 (2025)
Deeds & MortgagesNov 2020 Mortgage
Nov 2020 Sale
Flood ZoneZone X (minimal risk)
APN85626

Property Details

APN / Parcel Number

Primary APN85626
Alternative APN
  • 162630058800010510

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,776 sqft Heated Area
Gross Area2,244 sqft
1st Floor Area1,776 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,930 sqft (0.205 acres)
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area48 sqft
Patio Area240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number85626
Street Address4843 ZION DR
CitySAINT CLOUD
StateFL
Zip34772-7735
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 12 PB 13 PG 132-135 22-26-30 LOT 51
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES
Legal Tract588
Legal Block1
Legal Lot Number51
Legal Unit12
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2015
Census Tract43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address4843 ZION DR, SAINT CLOUD, FL 34772-7735
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Nov 3, 2020Warranty Deed, Transfer
ATTORNEY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 3, 2020 · Amount on Record
Deed SaleNov 3, 2020 · Amount on Record
Prior SaleOct 4, 2002 · Amount on Record
Deed Document Number2020149132
Deed Book / Page5825 / 470
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4843 ZION DR, SAINT CLOUD, FL 34772-7735
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4843 ZION DR, SAINT CLOUD, FL 34772-7735

Mortgage

Document Number0058270028
DateNov 4, 2020
Book Page5827/28
Instrument2020150655
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 1, 2035

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 3, 2020
Property Address4843 ZION DR, SAINT CLOUD, FL 34772-7735
Document Number0058250470
Book / Page5825 / 470
Map ReferenceMB 13 PG 132-135
Instrument DateOct 9, 2020
Instrument2020149132
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Tax$875.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 710, JEFFERSONVILLE, GA 31044-0710

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,394.00 (+6.33%) Homeowner's exemption$232,528 (+5.99%)$317,200 (-2.58%) Land $75,000 Building $242,200
2023$3,192.00 (+3.67%) Homeowner's exemption$219,394 (+3%)$325,600 (+20.77%) Land $65,000 Building $260,600
2022$3,079.00 Homeowner's exemption$213,004$269,600 Land $60,000 Building $209,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 2020 · other causes

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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 402 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 35
CenturyLink
DSL · Fiber in parts of the area		140 / 20

May also be available: Verizon.

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