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4850 Lark Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4850 Lark Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2003
Square Footage1,287 sqft Living Area
Lot Size13,982 sqft (0.321 acres)
OccupancyOwner Occupied
Last Sale$105,000 (2010)
Tax Bill$1,171.00 (2024)

Property Details

APN / Parcel Number

Primary APN31-26-31-5130-000S-0010
Alternative APNs
  • 2631315130000S0010
  • 98771

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,287 sqft Living Area
Gross Area1,847 sqft Gross Area
1st Floor1,287 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,982 sqft (0.321 acres)
Depth X Width140 ft x 100 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area400 sqft Garage
Porch Area160 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4850 LARK DR
CitySAINT CLOUD
StateFL
Zip34772-7932
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK S LOT 1
Legal Range31E
Legal Township26S
Legal Section31
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockS
Legal Lot Number1
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1059
Census Tract43304

Owner

Source: Osceola County records · APN 31-26-31-5130-000S-0010

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 Record2 Individual Names on File
Mailing Address4850 LARK DR, SAINT CLOUD, FL 34772-7932
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 18, 2023Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Sep 21, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 09, 2010 · Amount on Record
Deed SaleAug 09, 2010 · Amount on Record
Prior SaleJun 21, 2010 · Amount on Record
Deed Doc Number2010113608
Deed Book / Page4018 / 2283
Last Transfer DateSep 16, 2020
Transfer Doc0057971289
Record RefreshedJun 08, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4850 LARK DR, SAINT CLOUD, FL 34772-7932
Transaction TypeMortgage
Record UpdatedJun 08, 2026
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address4850 LARK DR, SAINT CLOUD, FL 34772-7932

Mortgage

Document Number0063451042
DateJan 18, 2023
Book Page6345/1042
Instrument2023006244
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 06, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

September 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateSep 21, 2020
Property Address4850 LARK DR, SAINT CLOUD, FL 34772-7932
Document Number0057971289
Book / Page5797 / 1289
Map ReferenceMB 1 PG 395
Instrument DateSep 16, 2020
Instrument2020126149
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4850 LARK DR, SAINT CLOUD, FL 34772-7932

Mortgage

Document Number0057971290
DateSep 21, 2020
Instrument5797/1290
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$1,279.00 (+9.22%) Homeowner's exemption$81,781 (+5.98%)$287,000 (+7.61%) Land $60,000 Building $227,000
2024$1,171.00 (+2.9%)
2023$1,138.00 (+7.06%) Homeowner's exemption$77,163 (+3%)$266,700 (+21.28%) Land $45,000 Building $221,700
2022$1,063.00 Homeowner's exemption$74,916$219,900 Land $40,000 Building $179,900

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskHigh
above 73% of the US · above 58% of Florida
Wildfire LikelihoodAbout 1 in 303 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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