4859 J St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4859 J St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1991
Square Footage	1,368 sqft Heated Area
Lot Size	11,238 sqft (0.257 acres)
Occupancy	Owner Occupied
Last Sale	$61,500 (1998)
Tax Bill	$1,436.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`92665`
Alternative APN	`292531491000360140`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,368 sqft Heated Area
Gross Area	1,606 sqft Gross Area
1st Floor	1,046 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1991
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,238 sqft (0.257 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Garage Area	322 sqft Garage
Porch	Enclosed Porch
Porch Area	560 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	92665
Street Address	4859 J ST
City	SAINT CLOUD
State	FL
Zip	34771-8203
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	TOWN OF RUNNYMEDE PB 1 PG 057 BLK 36 LOT 14
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE BLKS AND CHISHOLM TRAILS
Legal Tract	4910
Legal Block	36
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records · APN 92665

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
Mailing Address	4859 J ST, SAINT CLOUD, FL 34771-8203
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 1998 · Amount on Record
Deed Sale	Dec 14, 1998 · Amount on Record
Prior Sale	Dec 14, 1998 · Amount on Record
Deed Doc Number	0015591852
Deed Book / Page	29253
Last Transfer Date	Jan 21, 2022
Transfer Doc	0061341155
Record Refreshed	Jun 08, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 21, 2022
Property Address	4859 J ST, SAINT CLOUD, FL 34771-8203
Document Number	0061341155
Book / Page	6134 / 1155
Map Reference	MB 1 PG 4&5
Instrument Date	Jan 17, 2022
Instrument	2022011800
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4886 J ST, SAINT CLOUD, FL 34771-9018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 J ST, SAINT CLOUD, FL 34771-8203

Mortgage

Document Number	0061341156
Date	Jan 21, 2022
Instrument	6134/1156

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

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	$1,436.00 (+11.58%) Homeowner's exemption	$93,073 (+5.99%)	$196,800 (+19.06%) Land $45,000 Building $151,800
2023	$1,287.00 (+6.72%) Homeowner's exemption	$87,816 (+3%)	$165,300 (+13.69%) Land $30,000 Building $135,300
2022	$1,206.00 Homeowner's exemption	$85,259	$145,400 Land $30,000 Building $115,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	About 1 in 282 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.