4866 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4866 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 2002
Lot Size	0.198 acres (8,624 sqft)
Owner	2 Individual Names on File
Last Sale	$384,105 (Jun 2022)
Tax Bill	$4,992 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Apr 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0588-0001-0680`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0588-0001-0680`
Alternative APNs	`263016058800010680` `85643`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,621 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,621 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	252 sqft
Porch	Slab
Porch Area	209 sqft
Deck Area	374 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4866 ZION DR
City	SAINT CLOUD
State	FL
Zip	34772-7734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 12 PB 13 PG 132-135 22-26-30 LOT 68
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 12
Legal Tract	588
Legal Block	680
Legal Lot Number	68
Legal Unit	12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

4866 Zion Dr is owned and occupied by two individuals who bought it in June 2022.

Source: Osceola County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Apr 23, 2020	Loan Modification, Mortgage · FHA Mortgage MISCELLANEOUS GOVT AGCY
Apr 23, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 28, 2018	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2022 · Amount on File
Deed Sale	Jun 7, 2022 · Amount on File
Prior Sale	Dec 28, 2018 · Amount on File
Deed Document Number	202288792
Deed Book / Page	6228 / 1560
Prior Transfer Date	Jun 3, 2022
Prior Transfer Doc	0062281560
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2022
Property Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734
Document Number	0062281560
Book / Page	6228 / 1560
Map Reference	MB 13 PG 132
Instrument Date	Jun 3, 2022
Instrument	2022088792
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,689.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4866 ZION DR, 4866, SAINT CLOUD, FL 34772-7734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	201 PARK ST, BRIDGEPORT, CT 06608-1637

Mortgage

Document Number	0062281562
Date	Jun 7, 2022
Instrument	6228/1562

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734
Document Number	0057191443
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 ZION DR ST CLOUD FL 347727734, ST CLOUD, FL 34772-7734

Mortgage

Document Number	0057191443
Date	May 8, 2020
Book Page	005719/001443
Instrument	61716

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	11511 LUNA RD, FARMERS BRANCH, TX 75234-6449

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2050

Interest

Rate	4%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734
Document Number	0057191475
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 ZION DR ST CLOUD FL 347727734, ST CLOUD, FL 34772-7734

Mortgage

Document Number	0057191475
Date	May 8, 2020
Book Page	005719/001475
Instrument	61719

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2018
Property Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734
Document Number	0054560677
Book / Page	5456 / 0677
Map Reference	MB 13 PG 132
Instrument Date	Dec 17, 2018
Instrument	2018189040
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 W NEW NOLTE RD, 501, SAINT CLOUD, FL 34769-5727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 ZION DR, SAINT CLOUD, FL 34772-7734

Mortgage

Document Number	2018189041
Date	Dec 28, 2018
Instrument	2018189041

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4866 Zion Dr was $4,992 with a homeowner's exemption, down 6.1% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,992.00 (-6.13%) Homeowner's exemption	$321,800 Land $75,000 Building $246,800	$321,800 Land $75,000 Building $246,800
2024	$5,318.00 (-10.17%)
2023	$5,920.00 (+100.54%)	$328,500 (+59.5%) Land $65,000 Building $263,500	$328,500 (+20.07%) Land $65,000 Building $263,500
2022	$2,952.00 Homeowner's exemption	$205,958	$273,600 Land $60,000 Building $213,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4866 Zion Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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 File median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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.

Wildfire

Wildfire risk around 4866 Zion Dr is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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