Osceola County property record for 4851 Citrus Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 1979 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $255,000 (Dec 2006) |
| Tax Bill | $1,701 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 98541 |
| Primary APN | 98541 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,522 sqft Heated Area |
| Gross Area | 2,498 sqft |
| 1st Floor Area | 1,522 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 400 sqft |
| Patio Area | 176 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 338 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 98541 |
|---|---|
| Street Address | 4851 CITRUS DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1C |
| Legal Description | GALLET PLACE PB 6 PG 190 LOT 5 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | GALLET PLACE |
| Legal Tract | 3222 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 43304 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 4851 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2006 · Amount on Record |
| Deed Sale | Dec 11, 2006 · Amount on Record |
| Deed Document Number | 2006291659 |
| Deed Book / Page | 3354 / 1667 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4851 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 0052062825 |
| Book / Page | 005206 / 002825 |
| Instrument Date | Sep 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4851 CITRUS DR ST CLOUD FL 347728976, ST CLOUD, FL 34772-8976 |
| Document Number | 0052062825 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 005206/002825 |
| Instrument | 129494 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 12, 2047 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,701.00 (+10.53%) Homeowner's exemption | $112,241 (+5.99%) | $275,000 (+2.73%) Land $52,800 Building $222,200 |
| 2023 | $1,539.00 (+5.99%) Homeowner's exemption | $105,901 (+3%) | $267,700 (+13.34%) Land $52,800 Building $214,900 |
| 2022 | $1,452.00 Homeowner's exemption | $102,817 | $236,200 Land $52,800 Building $183,400 |
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.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 68 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 |
May also be available: Spectrum.
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