Osceola County property record for 4865 Citrus Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,968 sqft · built 2018 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Apr 2018) |
| Tax Bill | $3,934 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2018 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 98540 |
| Primary APN | 98540 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,968 sqft Heated Area |
| Gross Area | 2,762 sqft |
| 1st Floor Area | 1,968 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Finished |
| Garage Area | 566 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 98540 |
|---|---|
| Street Address | 4865 CITRUS DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8976 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALLET PLACE PB 6 PG 190 LOT 4 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | GALLET PLACE |
| Legal Tract | 3222 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 43304 |
Source: Osceola County records · APN 98540
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage A & N MORTGAGE SERVICES INC |
| Apr 04, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIS BANK |
| Dec 29, 2017 | Grant Deed STEWART TITLE |
| Sep 18, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 04, 2018 · Amount on Record |
| Deed Sale | Apr 04, 2018 · Amount on Record |
| Prior Sale | Sep 18, 2017 · Amount on Record |
| Deed Document Number | 2018052815 |
| Deed Book / Page | 5311 / 0846 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 0058872172 |
|---|---|
| Date | Feb 09, 2021 |
| Book Page | 5887/2172 |
| Instrument | 2021018735 |
| Name | A & N MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60642 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 04, 2018 |
| Property Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 0053110846 |
| Book / Page | 5311 / 0846 |
| Map Reference | MB6 PG190 |
| Instrument Date | Apr 03, 2018 |
| Instrument | 2018052815 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 E 13TH ST, 107, SAINT CLOUD, FL 34769-4749 |
| Name | Verified Name |
|---|---|
| Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 2018052816 |
|---|---|
| Date | Apr 04, 2018 |
| Instrument | 2018052816 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2017 |
| Property Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 0052610942 |
| Book / Page | 005261 / 000942 |
| Instrument Date | Dec 04, 2017 |
| Instrument | 185105 |
| Record Updated | Feb 06, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 107 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 18, 2017 |
| Property Address | 4865 CITRUS DR, SAINT CLOUD, FL 34772-8976 |
| Document Number | 0052090320 |
| Book / Page | 005209 / 000320 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 131841 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $248.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3776 HICKORY TREE RD ST CLOUD FL 347727548, ST CLOUD, FL 34772-7548 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,934.00 (+7.4%) Homeowner's exemption | $273,398 (+5.99%) | $386,000 (+8.61%) Land $60,000 Building $326,000 |
| 2023 | $3,663.00 (+4.21%) Homeowner's exemption | $257,955 (+3%) | $355,400 (+15.46%) Land $38,000 Building $317,400 |
| 2022 | $3,515.00 Homeowner's exemption | $250,442 | $307,800 Land $38,000 Building $269,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures