Osceola County property record for 4854 Oriole Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,474 sqft · built 1988 |
| Lot Size | 0.325 acres (14,157 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Dec 2005) |
| Tax Bill | $1,247 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-26-31-5130-000C-0020 |
| Primary APN | 30-26-31-5130-000C-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,474 sqft Living Area |
| Gross Area | 1,993 sqft |
| 1st Floor Area | 1,474 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| 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 | 14,157 sqft (0.325 acres) |
| Lot Dimensions | 134 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4854 ORIOLE DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8099 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAE1 |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK C LOT 2 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | C |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43304 |
Source: Osceola County records, as of April 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jan 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2005 · Amount on Record |
| Deed Sale | Dec 28, 2005 · Amount on Record |
| Prior Sale | Oct 2, 2003 · Amount on Record |
| Deed Document Number | 2005284755 |
| Deed Book / Page | 3010 / 1483 |
| Prior Transfer Date | Feb 1, 2002 |
| Prior Transfer Doc | 2005001480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Document Number | 0000049145 |
| Book / Page | 6954 / 2447 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 202649145 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET MORTGAGE |
| Name | Verified Name |
|---|---|
| Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Document Number | 0000049145, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 6954/2447 |
| Instrument | 202649145 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Document Number | 0064891439 |
|---|---|
| Date | Oct 13, 2023 |
| Book Page | 6489/1439 |
| Instrument | 2023135238 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Document Number | 0059662396 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 5966/2396 |
| Instrument | 2021081605 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4854 ORIOLE DR, SAINT CLOUD, FL 34772-8099 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061332232 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 6133/2232 |
| Instrument | 2022011083 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
Source: Osceola County assessment roll, as of November 26, 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 | $1,247.00 (+9.39%) Homeowner's exemption | $79,442 (+5.98%) | $278,300 (+7.66%) Land $60,000 Building $218,300 |
| 2024 | $1,140.00 (+2.89%) | ||
| 2023 | $1,108.00 (+5.42%) Homeowner's exemption | $74,956 (+3%) | $258,500 (+21.08%) Land $45,000 Building $213,500 |
| 2022 | $1,051.00 Homeowner's exemption | $72,773 | $213,500 Land $40,000 Building $173,500 |
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 |
|---|---|
| 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 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 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 |
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