4850 Old Oak Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4850 Old Oak Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,839 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$438,000 (Dec 2022)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-8000-0001-0850`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-8000-0001-0850`
Alternative APNs	`253131800000010850` `92992`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,839 sqft Living Area
Gross Area	2,964 sqft
1st Floor Area	1,839 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces
Porch	Florida Room
Porch Area	350 sqft
Utility Building	216 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4850 OLD OAK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	RUNNYMEDE OAK UNREC TRACT 85 AKA RUNNYMEDE BLK 71 E 57 FT LOT 7 ALL LOTS 8 & 9 E 57 FT LOT 10 & N 1/2 VAC P ST CONTIGUOUS TO SAME
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUNNYMEDE OAKS UNREC
Legal Tract	85
Legal Block	71
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	4850 OLD OAK TRL, SAINT CLOUD, FL 34771-9638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2022 · Amount on Record
Deed Sale	Dec 5, 2022 · Amount on Record
Deed Document Number	2022174315
Deed Book / Page	6324 / 1780
Prior Transfer Date	Nov 4, 2014
Prior Transfer Doc	0046901578
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 5, 2022
Property Address	4850 OLD OAK TRL, SAINT CLOUD, FL 34771-9638
Document Number	0063241780
Book / Page	6324 / 1780
Map Reference	MB 1 PG 4&5
Instrument Date	Oct 21, 2022
Instrument	2022174315
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PROMINENT TITLE LLC, PROMINENCE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,066.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13826 MARINE DR, ORLANDO, FL 32832-6506

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063241781
Date	Dec 5, 2022
Instrument	6324/1781

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

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	$2,889.00 (+5.82%) Homeowner's exemption	$197,997 (+5.99%)	$336,100 (+10.09%) Land $95,000 Building $241,100
2024	$2,730.00 (+2.29%)
2023	$2,669.00 (+12.71%) Homeowner's exemption	$186,813 (+10.94%)	$305,300 (+18.43%) Land $85,000 Building $220,300
2022	$2,368.00 Homeowner's exemption	$168,386	$257,800 Land $70,000 Building $187,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Spectrum.

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