Osceola County property record for 4849 Jay Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,632 sqft Living Area |
| Lot Size | 14,157 sqft (0.325 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $375,000 (2023) |
| Tax Bill | $4,965.00 (2024) |
| Primary APN | 31-26-31-5130-000R-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,632 sqft Living Area |
| 1st Floor | 1,216 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,157 sqft (0.325 acres) |
| Depth X Width | 140 ft x 105 ft Depth x Width |
| Garage Area | 416 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 36 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 160 sqft Shed |
| Deck Area | 304 sqft Deck |
| Porch Area | 548 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4849 JAY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8440 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK R LOT 7 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | R |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1058 |
| Census Tract | 43304 |
Source: Osceola County records · APN 31-26-31-5130-000R-0070
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4149 S SEMORAN BLVD, ORLANDO, FL 32822-2471 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 17, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| May 05, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on Record |
| Deed Sale | May 17, 2023 · Amount on Record |
| Prior Sale | May 05, 2020 · Amount on Record |
| Deed Doc Number | 202363299 |
| Deed Book / Page | 6408 / 2654 |
| Prior Transfer Date | Aug 10, 2005 |
| Prior Transfer Doc | 0029162379 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2023 |
| Property Address | 4849 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0064082654 |
| Book / Page | 6408 / 2654 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | May 11, 2023 |
| Instrument | 2023063299 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16748 162ND ST, LIVE OAK, FL 32060-0402 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4149 S SEMORAN BLVD APT 12, 12, ORLANDO, FL 32822-2420 |
| Document Number | 0064082656 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 6408/2656 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 05, 2020 |
| Property Address | 4849 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0057181163 |
| Book / Page | 5718 / 1163 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | May 01, 2020 |
| Instrument | 2020060772 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1659 CHATSWORTH CIR, 1659, SAINT CLOUD, FL 34771-7685 |
| Name | Verified Name |
|---|---|
| Address | 4849 JAY DR, SAINT CLOUD, FL 34772-8440 |
| Document Number | 0057181166 |
|---|---|
| Date | May 05, 2020 |
| Instrument | 5718/1166 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,570.00 (-7.96%) Homeowner's exemption | $319,300 (+48.12%) Land $60,000 Building $259,300 | $319,300 (+7.29%) Land $60,000 Building $259,300 |
| 2024 | $4,965.00 (+61.67%) | ||
| 2023 | $3,071.00 (+4.46%) Homeowner's exemption | $215,574 (+3%) | $297,600 (+20.39%) Land $45,000 Building $252,600 |
| 2022 | $2,940.00 Homeowner's exemption | $209,296 | $247,200 Land $40,000 Building $207,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 62% of the US · above 36% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 490 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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