4845 Citrus Oak Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4845 Citrus Oak Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,371 sqft · built 2000
Lot Size	0.998 acres (43,472 sqft)
Owner	2 Trust Names on File
Tax Bill	$10,277 (2025)
Deeds & Mortgages	Jan 2024 Transfer Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-8000-0001-0790`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-8000-0001-0790`
Alternative APNs	`253131800000010790` `92986`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,371 sqft Living Area
Gross Area	6,595 sqft
1st Floor Area	2,345 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,472 sqft (0.998 acres)
Garage Type	Detached
Garage Area	1,920 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	384 sqft
Porch	Florida Room
Porch Area	1,764 sqft
Deck Area	1,116 sqft
Patio Area	288 sqft
Utility Building	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4845 CITRUS OAK LN
City	SAINT CLOUD
State	FL
Zip	34771-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	RUNNYMEDE BLK 75 W 72 FT OF LOTS 1 & 16 TOGETHER WITH S 1/2 OF ABAND R/W OF P ST, TOGETHER WITH ALL OF ABAND NEW YORK AVE & S 1/2 OF ABAND R/W INTER OF NEW YORK & P ST AKA TRACT 79 RUNNYMEDE OAKS
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUNNYMEDE OAKS UNREC
Legal Tract	8000
Legal Block	75
Legal Lot Number	79
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

4845 Citrus Oak Ln is held in a trust since January 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Trust Names on File
Mailing Address	4864 SUNSET RD, SAINT CLOUD, FL 34771-9291
Owner Type	Company
Vesting	Trust, Family Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 17, 2022	Intrafamily Transfer, Transfer · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2010
Deed Sale	Jun 28, 2010
Prior Sale	Aug 25, 2009 · Amount on File
Deed Document Number	201092719
Deed Book / Page	4002 / 1140
Last Transfer Date	Jan 25, 2024
Transfer Doc	0065401018
Record Updated	Jun 8, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2024
Property Address	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906
Document Number	0065401018
Book / Page	6540 / 1018
Map Reference	MB 1 PG 4
Instrument Date	Jan 25, 2024
Instrument	2024011159
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4864 SUNSET RD, SAINT CLOUD, FL 34771-9291

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4864 SUNSET RD, SAINT CLOUD, FL 34771-9291

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	NOT AVAILABLE, AEG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906

Mortgage

Document Number	0063580937
Date	Feb 15, 2023
Book Page	6358/937
Instrument	2023018227

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Dec 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2022
Property Address	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906
Document Number	0063162465
Book / Page	6316 / 2465
Map Reference	MB 1 PG 4
Instrument Date	Nov 17, 2022
Instrument	2022167390
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	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 CITRUS OAK LN, SAINT CLOUD, FL 34771-8906

Mortgage

Document Number	0006358937
Date	Nov 17, 2022
Instrument	6358/937

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 2, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4845 Citrus Oak Ln was $10,277, up 1% from the year before.

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	$10,277.00 (+0.99%)	$690,400 Land $95,000 Building $595,400	$690,400 Land $95,000 Building $595,400
2024	$10,176.00 (+67.51%)
2023	$6,075.00 (+3.69%) Homeowner's exemption	$430,717 (+3%)	$635,500 (+16.71%) Land $85,000 Building $550,500
2022	$5,859.00 Homeowner's exemption	$418,172	$544,500 Land $70,000 Building $474,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4845 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	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

Wildfire risk around 4845 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 45% 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.

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