4869 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4869 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$535,500 (2026)
Tax Bill	$2,829.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3649-0001-4340`
Alternative APN	`263021364900014340`

Exterior

Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	4869 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 434
Legal Subdivision	HAVENFIELD AT CROSS PRAIRIEPHASE 2
Legal Lot Number	434
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3649-0001-4340

Assessment roll updated November 26, 2025 · Last verified June 2026

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
Mailing Address	4869 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Deed Doc Number	202664265
Deed Book / Page	6972 / 339
Record Refreshed	Sep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2026
Property Address	4869 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353
Document Number	0069720339
Book / Page	6972 / 339
Instrument Date	May 08, 2026
Instrument	2026.64265
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$378,598.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4869 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6353

Mortgage

Document Number	0000064266,
Date	May 14, 2026
Book Page	6972/344
Instrument	2026.64266

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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.