4873 Old Oak Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4873 Old Oak Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,534 sqft · built 2021
Lot Size	0.639 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$865,000 (Dec 2025)
Tax Bill	$712 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Sep 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`292531491000630030`

Property Details

APN / Parcel Number

Primary APN	`292531491000630030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,534 sqft Heated Area
Gross Area	3,672 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.639 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Deck Area	616 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4873 OLD OAK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUNNYMEDE PB 1 PG 057 BLK 63 E 10 FT OF LOTS 2 & 15 AND ALL OF LOTS 3 & 14 AND THAT PORTION OF S 1/2 OF VAC O ST LYING N OF
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE BLKS AND CHISHOLM TRAILS
Legal Tract	4910
Legal Block	63
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

Source: Osceola County records, as of January 13, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4873 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Sep 17, 2024	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Sep 17, 2024 · Amount on Record
Deed Document Number	2025159191
Deed Book / Page	6901 / 1119
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 31, 2025
Property Address	4873 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Document Number	0069011119
Book / Page	6901 / 1119
Map Reference	MB 1 PG 4&5
Instrument Date	Nov 10, 2025
Instrument	2025159191
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	LANDTRUST TITLE/ CTRL FLORIDA LLC, LANDTRUST TTL OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,055.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 ENAYA ST, SAINT CLOUD, FL 34771-0125

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4873 OLD OAK TRL, SAINT CLOUD, FL 34771-9690

Mortgage

Document Number	0069011121
Date	Dec 31, 2025
Instrument	6901/1121

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.47%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 17, 2024
Property Address	4873 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Document Number	0066661278
Book / Page	6666 / 1278
Map Reference	MB 1 PG 4&5
Instrument Date	Sep 16, 2024
Instrument	2024119965
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	COMPASS LAND AND TITLE, COMPASS LAND & TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1174 SMITH CREEK WAY, WAKE FOREST, NC 27587-7950

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 ENAYA ST, SAINT CLOUD, FL 34771-0125

Mortgage

Document Number	2024119968
Date	Sep 17, 2024
Instrument	2024119968

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (-86.8%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$437,897 (+14.67%)	$522,800 (+9.53%) Land $76,700 Building $446,100
2023	$5,394.00 (+5.7%) Homeowner's exemption	$381,885 (+4.9%)	$477,300 (+18.61%) Land $76,700 Building $400,600
2022	$5,103.00 Homeowner's exemption	$364,064	$402,400 Land $61,400 Building $341,000

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

Flood

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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

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

Wildfire Risk	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 70 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

May also be available: CenturyLink, Spectrum.

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