4850 Lake Shore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4850 Lake Shore Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1974
Lot Size	0.282 acres (12,283 sqft)
Owner	Individual Name on File
Last Sale	$279,900 (Jun 2026)
Tax Bill	$3,867 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Foreclosure + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5130-000L-0010`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5130-000L-0010`
Alternative APNs	`2631315130000L0010` `98709`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,102 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,283 sqft (0.282 acres)
Lot Dimensions	123 ft deep x 100 ft wide
Garage Area	406 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	586 sqft
Patio Area	360 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4850 LAKE SHORE DR
City	SAINT CLOUD
State	FL
Zip	34772-7576
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK L LOT 1
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	L
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1059
Census Tract	43304

Owner

4850 Lake Shore Dr is owned and occupied by an individual who bought it in June 2026.

Source: Osceola County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 16, 2026	Trustee's Deed, Foreclosure
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Mar 28, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 5, 2021	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Mar 16, 2026 · Amount on File
Deed Document Number	202685164
Deed Book / Page	6995 / 2201
Prior Transfer Date	Oct 7, 2013
Prior Transfer Doc	0045130721
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2026
Property Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Document Number	0000085164
Book / Page	6995 / 2201
Instrument Date	May 21, 2026
Instrument	202685164
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$197,889.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576

Mortgage

Document Number	0000085166,
Date	Jun 29, 2026
Instrument	202685166

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2026
Property Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Document Number	0069371766
Book / Page	6937 / 1766
Map Reference	MB 1 PG 395
Instrument Date	Mar 16, 2026
Instrument	2026033964
Transaction Type	Foreclosure
Record Updated	Apr 23, 2026

Transaction

Amount	Amount on Record
Tax	$1,526.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057752191
Date	Aug 17, 2020
Book Page	5775/2191
Instrument	2020108221

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2022
Property Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Document Number	0061810859
Book / Page	6181 / 859
Map Reference	MB 1 PG 395
Instrument Date	Feb 25, 2022
Instrument	2022049131
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576

Mortgage

Document Number	0006181861
Date	Mar 28, 2022
Instrument	6181/861

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 5, 2021
Property Address	4850 LAKE SHORE DR, SAINT CLOUD, FL 34772-7576
Document Number	0060811348
Book / Page	6081 / 1348
Map Reference	MB 1 PG 395
Instrument Date	Oct 25, 2021
Instrument	2021173014
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,877.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4850 Lake Shore Dr was $3,867 with a homeowner's exemption, up 5.2% 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	$3,867.00 (+5.17%) Homeowner's exemption	$268,571	$273,200 Land $60,000 Building $213,200
2024	$3,677.00 (+2.17%)
2023	$3,599.00 (+2.59%) Homeowner's exemption	$253,400 (+20.78%) Land $45,000 Building $208,400	$253,400 (+20.78%) Land $45,000 Building $208,400
2022	$3,508.00	$209,800 Land $40,000 Building $169,800	$209,800 Land $40,000 Building $169,800

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

Flood

FEMA maps place 4850 Lake Shore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 59 policies
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

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 4850 Lake Shore Dr is high, ranking above 73% 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	High above 73% of the US · above 57% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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