Osceola County property record for 4860 Lillian Black Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,040 sqft · built 2019 |
| Lot Size | 2.04 acres (88,862 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $420,000 (Oct 2020) |
| Tax Bill | $4,012 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Oct 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 92872 |
| Primary APN | 92872 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,040 sqft Heated Area |
| Gross Area | 2,568 sqft |
| 1st Floor Area | 2,040 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 88,862 sqft (2.04 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 528 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Pole Barn | 987 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92872 |
|---|---|
| Street Address | 4860 LILLIAN BLACK RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR2 |
| Legal Description | RONN ALLEN SUBDIVISION PB 8 PG 133 LOT 2 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 30 |
| Legal Subdivision | RONN ALLEN |
| Legal Tract | 4874 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 4860 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2018 | Deed of Trust, Mortgage · FHA Mortgage COUNTRYPLACE MORTGAGE LTD |
| Oct 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 26, 2019 | Loan Modification, Mortgage COUNTRYPLACE MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2020 · Amount on Record |
| Deed Sale | Oct 22, 2020 · Amount on Record |
| Prior Sale | Oct 16, 2014 · Amount on Record |
| Deed Document Number | 2020143278 |
| Deed Book / Page | 5817 / 2803 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4860 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TALON TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0053620030 |
|---|---|
| Date | Jul 5, 2018 |
| Book Page | 5362/0030 |
| Instrument | 2018102751 |
| Name | COUNTRYPLACE MORTGAGE LTD |
|---|---|
| Type | Subprime Lender |
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 366 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 22, 2020 |
| Property Address | 4860 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9016 |
| Document Number | 0058172803 |
| Book / Page | 5817 / 2803 |
| Map Reference | MB 8 PG 133 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 2020143278 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,940.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9050 RICHMOND RD, 9050, SAINT CLOUD, FL 34773-9402 |
| Name | Verified Name |
|---|---|
| Address | 4860 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9016 |
| Document Number | 58172804 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 5817/2804 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4860 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-9016 |
| Document Number | 0055290181 |
| Instrument Date | Apr 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4860 LILLIAN BLACK RD ST CLOUD FL 347719016, ST CLOUD, FL 34771-9016 |
| Document Number | 0055290181 |
|---|---|
| Date | May 23, 2019 |
| Book Page | 005529/000181 |
| Instrument | 66674 |
| Name | COUNTRYPLACE MTG |
|---|---|
| Address | ADDISON, TX 75001 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 22, 2049 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,012.00 (+7.36%) Homeowner's exemption | $279,029 (+5.99%) | $293,800 (-1.77%) Land $115,000 Building $178,800 |
| 2023 | $3,737.00 (+4.18%) Homeowner's exemption | $263,268 (+3%) | $299,100 (+17.02%) Land $115,000 Building $184,100 |
| 2022 | $3,587.00 Homeowner's exemption | $255,600 Land $115,000 Building $140,600 | $255,600 Land $115,000 Building $140,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
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