Osceola County property record for 4855 Meadow Dr, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,638 sqft · built 2017 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Apr 2026) |
| Tax Bill | $2,945 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-26-31-5130-000Z-0110 |
| Primary APN | 31-26-31-5130-000Z-0110 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,638 sqft Living Area |
| Gross Area | 2,198 sqft |
| 1st Floor Area | 1,638 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 54 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4855 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 11 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | ST CLOUD MANOR VLG |
| Legal Tract | 5130 |
| Legal Block | Z |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1066 |
| Census Tract | 43304 |
Source: Osceola County records · APN 31-26-31-5130-000Z-0110
Assessment roll updated November 26, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Apr 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage STANDARD MORTGAGE |
| Jul 12, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 17, 2026 · Amount on Record |
| Deed Sale | Apr 17, 2026 · Amount on Record |
| Prior Sale | Jul 12, 2017 · Amount on Record |
| Deed Document Number | 202651362 |
| Deed Book / Page | 6957 / 1359 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0060321596 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 6032/1596 |
| Instrument | 2021134276 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0000051362 |
| Book / Page | 6957 / 1359 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 2026.51362 |
| Transaction Type | Transfer |
| Record Updated | May 01, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0000051363, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 6957/1361 |
| Instrument | 2026.51363 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 17, 2026 |
| Property Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0069571359 |
| Book / Page | 6957 / 1359 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202651362 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0000051363, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 6957/1361 |
| Instrument | 202651363 |
| Name | STANDARD MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2017 |
| Property Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0051780486 |
| Book / Page | 5178 / 0486 |
| Map Reference | MB1 PG395 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 2017101378 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OSCEOLA TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,514.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 4855 MEADOW DR, SAINT CLOUD, FL 34772-7581 |
| Document Number | 0051780488 |
|---|---|
| Date | Jul 12, 2017 |
| Instrument | 5178/0488 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,945.00 (+5.75%) Homeowner's exemption | $202,049 (+5.99%) | $348,800 (+6.9%) Land $60,000 Building $288,800 |
| 2024 | $2,785.00 (+2.28%) | ||
| 2023 | $2,723.00 (+4.65%) Homeowner's exemption | $190,636 (+3%) | $326,300 (+21.75%) Land $45,000 Building $281,300 |
| 2022 | $2,602.00 Homeowner's exemption | $185,084 | $268,000 Land $40,000 Building $228,000 |
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
| 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 54 of 59 on primary residences |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017, Hurricane Irma |
| 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.
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