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4848 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4848 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,966 sqft · built 2018
Lot Size0.33 acres (14,375 sqft)
OwnerIndividual Name on File
Last Sale$279,000 (Dec 2018)
Tax Bill$3,302 (2025)
Deeds & MortgagesMay 2023 Mortgage
Dec 2018 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN312631513000AA0060

Property Details

APN / Parcel Number

Primary APN312631513000AA0060
Alternative APN
  • 98864

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,966 sqft Heated Area
Gross Area2,644 sqft
1st Floor Area1,966 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,375 sqft (0.33 acres)
Lot Dimensions140 ft deep x 107 ft wide
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area216 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number98864
Street Address4848 CITRUS DR
CitySAINT CLOUD
StateFL
Zip34772-7948
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK AA LOT 6
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockAA
Legal Lot Number6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1065
Census Tract43304

Owner

Source: Osceola County records · APN 312631513000AA0060

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 Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2023Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Dec 12, 2018Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
CENTENNIAL BANK
Mar 20, 2018Warranty Deed, Transfer
FIRST AMERICAN TITLE
Jan 17, 2017Deed of Trust, Mortgage · Line of Credit
SUNTRUST BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 12, 2018 · Amount on Record
Deed SaleDec 12, 2018 · Amount on Record
Prior SaleMar 20, 2018 · Amount on Record
Deed Document Number2018181697
Deed Book / Page5448 / 0371
Record UpdatedJun 08, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948
Transaction TypeMortgage
Record UpdatedMay 25, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948

Mortgage

Document Number0064061260
DateMay 12, 2023
Book Page6406/1260
Instrument2023061078
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

December 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 12, 2018
Property Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948
Document Number0054480371
Book / Page5448 / 0371
Map ReferenceMB 1 PG 395
Instrument DateDec 10, 2018
Instrument2018181697
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,953.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4848 CIRTUS DRIVE, SAINT CLOUD, FL 34772-7948

Mortgage

Document Number2018181698
DateDec 12, 2018
Instrument2018181698
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2049

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 20, 2018
Property Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948
Document Number0053031952
Book / Page005303 / 001952
Instrument DateMar 16, 2018
Instrument44605
Transaction TypeTransfer
Record UpdatedApr 16, 2018
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Tax$266.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4848 CITRUS DR, SAINT CLOUD, FL 34772-7948
Document Number0050901847
Instrument DateJan 17, 2017
Transaction TypeMortgage
Record UpdatedAug 15, 2018
Title CompanyAMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4849 MEADOW DR ST CLOUD FL 347728498, ST CLOUD, FL 34772-8498

Mortgage

Document Number0050901847
DateJan 24, 2017
Book Page005090/001847
Instrument13063
Lender
NameSUNTRUST BK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 23, 2047
Interest
Rate TypeAdjustable Rate

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,302.00 (+7.84%) Homeowner's exemption$227,760 (+5.99%)$400,200 (+6.35%) Land $60,000 Building $340,200
2023$3,062.00 (+4.47%) Homeowner's exemption$214,896 (+3%)$376,300 (+21.94%) Land $45,000 Building $331,300
2022$2,931.00 Homeowner's exemption$208,637$308,600 Land $40,000 Building $268,600

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 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 356 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 68 locations within about half a mile of this property

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

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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