4850 Citrus Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4850 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,912 sqft · built 2018
Lot Size	0.264 acres (11,543 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Mar 2018)
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3126315130000Z0010`

Property Details

APN / Parcel Number

Primary APN	`3126315130000Z0010`
Alternative APN	`98852`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,912 sqft Heated Area
Gross Area	2,598 sqft
1st Floor Area	1,912 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,543 sqft (0.264 acres)
Lot Dimensions	115 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98852
Street Address	4850 CITRUS DR
City	SAINT CLOUD
State	FL
Zip	34772-8977
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK Z LOT 1
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	Z
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43304

Owner

Source: Osceola County records · APN 3126315130000Z0010

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 Record	2 Individual Names on File
Mailing Address	4850 CITRUS DR, SAINT CLOUD, FL 34772-8977
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional with PMI R P FNDG INC
Mar 02, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI PLANET HM LNDG
Aug 25, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 02, 2018 · Amount on Record
Deed Sale	Mar 02, 2018 · Amount on Record
Prior Sale	Aug 25, 2017 · Amount on Record
Deed Document Number	2018035518
Deed Book / Page	5294 / 2241
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4850 CITRUS DR, SAINT CLOUD, FL 34772-8977
Document Number	0058200020
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 06, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4850 CITRUS DR ST CLOUD FL 347728977, ST CLOUD, FL 34772-8977

Mortgage

Document Number	0058200020
Date	Oct 26, 2020
Book Page	005820/000020
Instrument	145036

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2050

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 02, 2018
Property Address	4850 CITRUS DR, SAINT CLOUD, FL 34772-8977
Document Number	0052942241
Book / Page	005294 / 002241
Instrument Date	Feb 28, 2018
Instrument	35518
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 26, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4850 CITRUS DR ST CLOUD FL 347728977, ST CLOUD, FL 34772-8977

Mortgage

Document Number	52942242
Date	Mar 02, 2018
Book Page	005294/002242
Instrument	35519

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2017
Property Address	4850 CITRUS DR, SAINT CLOUD, FL 34772-8977
Document Number	0052000821
Book / Page	005200 / 000821
Instrument Date	Aug 25, 2017
Instrument	123522
Transaction Type	Transfer
Record Updated	Oct 04, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,973.00 (+8.15%) Homeowner's exemption	$204,007 (+5.99%)	$389,900 (+5.92%) Land $52,200 Building $337,700
2023	$2,749.00 (+4.64%) Homeowner's exemption	$192,484 (+3%)	$368,100 (+22.13%) Land $39,200 Building $328,900
2022	$2,627.00 Homeowner's exemption	$186,878	$301,400 Land $34,800 Building $266,600

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 356 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250

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

Mobile Coverage

5G and 4G LTE

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