4851 Meadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4851 Meadow Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 1993
Lot Size	0.321 acres (13,983 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jul 2024)
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jul 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3126315130000Z0120`

Property Details

APN / Parcel Number

Primary APN	`3126315130000Z0120`
Alternative APN	`98858`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,765 sqft Heated Area
Gross Area	2,192 sqft
1st Floor Area	1,525 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,983 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	268 sqft
Patio Area	640 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98858
Street Address	4851 MEADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-7581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK Z LOT 12
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	Z
Legal Lot Number	12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43304

Owner

Source: Osceola County records · APN 3126315130000Z0120

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 05, 2022	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jul 02, 2024	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 09, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Jul 06, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 02, 2024 · Amount on Record
Deed Sale	Jul 02, 2024 · Amount on Record
Prior Sale	Jul 06, 2021 · Amount on Record
Deed Document Number	2024086739
Deed Book / Page	6627 / 83
Record Updated	Jun 08, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581

Mortgage

Document Number	0062640998
Date	Aug 05, 2022
Book Page	6264/998
Instrument	2022120402

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 02, 2024
Property Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581
Document Number	0066270083
Book / Page	6627 / 83
Map Reference	MB 1 PG 395
Instrument Date	Jul 01, 2024
Instrument	2024086739
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	HOMELIFE TITLE LLC, HOMELIGHT TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6342 LAKEPINE ST, SAINT CLOUD, FL 34771-8942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1851 GRANADA BLVD, KISSIMMEE, FL 34746-3539

Mortgage

Document Number	2024086740
Date	Jul 02, 2024
Instrument	2024086740

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2054

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4417 13TH ST 309, 309, SAINT CLOUD, FL 34769-6724

Mortgage

Document Number	0058090976
Date	Oct 09, 2020
Book Page	5809/976
Instrument	2020135722

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Sep 02, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 06, 2021
Property Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581
Document Number	0059952909
Book / Page	5995 / 2909
Map Reference	MB 1 PG 395
Instrument Date	Jul 02, 2021
Instrument	2021104535
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 MEADOW DR, SAINT CLOUD, FL 34772-7581

Mortgage

Document Number	0059952911
Date	Jul 06, 2021
Instrument	5995/2911

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

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	$4,420.00 (+32.3%) Homeowner's exemption	$308,500 (+31.31%) Land $60,000 Building $248,500	$308,500 (+11.61%) Land $60,000 Building $248,500
2023	$3,341.00 (+4.31%) Homeowner's exemption	$234,943 (+3%)	$276,400 (+21.17%) Land $45,000 Building $231,400
2022	$3,203.00 Homeowner's exemption	$228,100 Land $40,000 Building $188,100	$228,100 Land $40,000 Building $188,100

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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