Osceola County property record for 4855 Jay Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1990 |
| Square Footage | 2,456 sqft Living Area |
| Lot Size | 11,499 sqft (0.264 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $268,000 (2021) |
| Tax Bill | $3,794.00 (2024) |
| Primary APN | 31-26-31-5130-000S-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,456 sqft Living Area |
| Gross Area | 2,716 sqft Gross Area |
| 1st Floor | 1,500 sqft 1st Floor |
| Upper Floors | 500 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,499 sqft (0.264 acres) |
| Depth X Width | 115 ft x 100 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 260 sqft Garage |
| Porch Area | 456 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4855 JAY DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7573 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK S LOT 9 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | S |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1059 |
| Census Tract | 43304 |
Source: Osceola County records · APN 31-26-31-5130-000S-0090
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 04, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| May 25, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Mar 02, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 02, 2021 · Amount on Record |
| Deed Sale | Mar 02, 2021 · Amount on Record |
| Prior Sale | Dec 30, 2010 · Amount on Record |
| Deed Doc Number | 202130527 |
| Deed Book / Page | 5902 / 929 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Document Number | 0069311564 |
|---|---|
| Date | Mar 04, 2026 |
| Book Page | 6931/1564 |
| Instrument | 2026028569 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Mar 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Document Number | 0064131146 |
|---|---|
| Date | May 25, 2023 |
| Book Page | 6413/1146 |
| Instrument | 2023067143 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 02, 2021 |
| Property Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Document Number | 0059020929 |
| Book / Page | 5902 / 929 |
| Map Reference | MB 1 PG 395 |
| Instrument Date | Mar 01, 2021 |
| Instrument | 2021030527 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4855 JAY DR, 4855, SAINT CLOUD, FL 34772-7573 |
| Name | Verified Name |
|---|---|
| Address | 4855 JAY DR, SAINT CLOUD, FL 34772-7573 |
| Document Number | 0005902931 |
|---|---|
| Date | Mar 02, 2021 |
| Instrument | 5902/931 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,988.00 (+5.11%) Homeowner's exemption | $277,282 (+5.99%) | $328,900 (+6.3%) Land $52,200 Building $276,700 |
| 2024 | $3,794.00 (+2.15%) | ||
| 2023 | $3,714.00 (+4.18%) Homeowner's exemption | $261,620 (+3%) | $309,400 (+21.81%) Land $39,200 Building $270,200 |
| 2022 | $3,565.00 Homeowner's exemption | $254,000 Land $34,800 Building $219,200 | $254,000 Land $34,800 Building $219,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 303 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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