4855 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4855 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,754 sqft · built 2003
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Apr 2018)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0588-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0588-0001-0490`
Alternative APNs	`263016058800010490` `85624`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,754 sqft Living Area
Gross Area	2,434 sqft
1st Floor Area	1,754 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	240 sqft
Porch	Finished/Open Porch
Porch Area	280 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4855 ZION DR
City	SAINT CLOUD
State	FL
Zip	34772-7735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 12 PB 13 PG 132-135 22-26-30 LOT 49
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 12
Legal Tract	588
Legal Block	490
Legal Lot Number	49
Legal Unit	12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	43208

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 23, 2018	Trustee's Deed, Foreclosure · FHA Mortgage HAMILTON GROUP FUNDING INC
Jul 24, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	201863542
Deed Book / Page	5321 / 716
Prior Transfer Date	Apr 20, 2018
Prior Transfer Doc	0053210716
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735

Mortgage

Document Number	0057990958
Date	Sep 24, 2020
Book Page	5799/958
Instrument	2020127857

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2018
Property Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735
Document Number	0053210716
Book / Page	5321 / 0716
Map Reference	MB13 PG132-135
Instrument Date	Apr 20, 2018
Instrument	2018063542
Transaction Type	Foreclosure
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2500 OAK ST, 2500, KISSIMMEE, FL 34744-4943

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735

Mortgage

Document Number	2018063544
Date	Apr 23, 2018
Instrument	2018063544

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2017
Property Address	4855 ZION DR, SAINT CLOUD, FL 34772-7735
Document Number	0051830990
Book / Page	005183 / 000990
Instrument Date	Jul 11, 2017
Instrument	106960
Transaction Type	Foreclosure
Record Updated	Aug 25, 2017

Transaction

Amount	Amount Recorded
Tax	$1,234.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	4855 ZION DR ST CLOUD FL 347727735, ST CLOUD, FL 34772-7735

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,460.00 (+3.53%) Homeowner's exemption	$236,231 (+5.99%)	$345,800 (-2.45%) Land $75,000 Building $270,800
2024	$3,342.00 (+2.67%)
2023	$3,255.00 (+3.66%) Homeowner's exemption	$222,888 (+3%)	$354,500 (+20.09%) Land $65,000 Building $289,500
2022	$3,140.00 Homeowner's exemption	$216,397	$295,200 Land $60,000 Building $235,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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