Osceola County property record for 4859 Knoll Ln, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,971 sqft · built 2018 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,400 (Jul 2019) |
| Tax Bill | $3,803 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-26-31-0214-0001-0470 |
| Primary APN | 19-26-31-0214-0001-0470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,971 sqft Living Area |
| Gross Area | 2,648 sqft |
| 1st Floor Area | 1,971 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 236 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4859 KNOLL LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HICKORY GROVE PH 1 PB 27 PGS 6-8 LOT 47 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | HICKORY GROVE PH 1 |
| Legal Phase | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 43304 |
Source: Osceola County records · APN 19-26-31-0214-0001-0470
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 | 4859 KNOLL LN, SAINT CLOUD, FL 34772-8949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jul 02, 2019 | Grant Deed, Transfer · FHA Mortgage TAYLOR MORRISON HOME FUNDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2019 · Amount on Record |
| Deed Sale | Jul 02, 2019 · Amount on Record |
| Deed Document Number | 201985851 |
| Deed Book / Page | 5551 / 1595 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4859 KNOLL LN, SAINT CLOUD, FL 34772-8949 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4859 KNOLL LN, SAINT CLOUD, FL 34772-8949 |
| Investor | Possibly a Property Investor |
| Document Number | 0063422205 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 6342/2205 |
| Instrument | 2023003683 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Dec 29, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2019 |
| Property Address | 4859 KNOLL LN, SAINT CLOUD, FL 34772-8949 |
| Document Number | 0055511595 |
| Book / Page | 005551 / 001595 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 85851 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,962.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4859 KNOLL LN ST CLOUD FL 347728949, ST CLOUD, FL 34772-8949 |
| Document Number | 55511597 |
|---|---|
| Date | Jul 02, 2019 |
| Book Page | 005551/001597 |
| Instrument | 85852 |
| Name | TAYLOR MORRISON HOME FUNDING |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $3,803.00 (+6.23%) Homeowner's exemption | $255,353 (+5.99%) | $344,700 (-5.48%) Land $75,000 Building $269,700 |
| 2023 | $3,580.00 (+3.59%) Homeowner's exemption | $240,930 (+3%) | $364,700 (+28.96%) Land $70,000 Building $294,700 |
| 2022 | $3,456.00 Homeowner's exemption | $233,913 | $282,800 Land $55,000 Building $227,800 |
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 |
| 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 |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017, Hurricane Irma |
| Wildfire Risk | Moderate above 58% of the US · above 30% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 524 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 329 locations within about half a mile of this property
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| Spectrum | Cable | 1,000 / 1,000 |
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