4865 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4865 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$434,000 (2026)
Tax Bill	$2,829.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3649-0001-4350`
Alternative APN	`263021364900014350`

Exterior

Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	4865 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6353
Property Usage	Vacant Land Property Usage
Type	Vacant Land > Uncategorized
Legal Description	HAVENFIELD AT CROSS PRAIRIE PH 2 PB 34 PGS 102-106 LOT 435
Legal Subdivision	HAVENFIELD AT CROSS PRAIRIEPHASE 2
Legal Lot Number	435
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3649-0001-4350

Assessment roll updated November 26, 2025 · Last verified August 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	4865 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Deed Doc Number	202696992
Deed Book / Page	7009 / 669
Record Refreshed	Sep 20, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2026
Property Address	4865 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353
Document Number	0000096992
Book / Page	7009 / 669
Instrument Date	Jul 16, 2026
Instrument	202696992
Transaction Type	Transfer
Record Updated	Aug 05, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$306,838.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4865 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353

Mortgage

Document Number	0000096993,
Date	Jul 24, 2026
Instrument	202696993

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,829.00 (+3.36%)	$65,000 Land $65,000	$65,000 Land $65,000
2024	$2,737.00

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	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	High above 88% of the US · above 80% of Florida
Wildfire Likelihood	About 1 in 159 per year
Exposure	Direct burnable vegetation at the parcel

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