4874 Old Oak Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4874 Old Oak Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,556 sqft · built 1989
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on File
Last Sale	$735,000 (Nov 2023)
Tax Bill	$6,811 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-25-31-8000-0001-0870`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-8000-0001-0870`
Alternative APNs	`253131800000010870` `92994`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	4,263 sqft
1st Floor Area	2,556 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,647 sqft (1 acres)
Garage Type	Attached
Garage Area	1,707 sqft
Parking Spaces	6 Parking Spaces
Utility Building	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4874 OLD OAK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	RUNNYMEDE COM AT NE COR OF BLK 70, RUN W 528 FT TO POB; S 330 FT, E 132 FT, N 330 FT, W 132 FT TO POB AKA TRACT 87 RUNNYMEDE OAKS
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	RUNNYMEDE OAKS UNREC
Legal Tract	87
Legal Block	70
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

4874 Old Oak Trl is owned by two individuals who bought it in November 2023.

Source: Osceola County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4074 OLDOAK TRL, SAINT CLOUD, FL 34771
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 14, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2019	Grant Deed, Transfer ATTORNEY ONLY
Aug 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Deed Document Number	2023149497
Deed Book / Page	6504 / 1518
Prior Transfer Date	May 10, 2019
Prior Transfer Doc	0055260767
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2023
Property Address	4874 OLD OAK TRL, SAINT CLOUD, FL 34771-9643
Document Number	0065041518
Book / Page	6504 / 1518
Map Reference	MB 1 PG 4&5
Instrument Date	Nov 13, 2023
Instrument	2023149497
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9011 NW 226TH ST, ALACHUA, FL 32615-7110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4874 OLD OAK TRL, SAINT CLOUD, FL 34771-9643

Mortgage

Document Number	0065041519
Date	Nov 14, 2023
Instrument	6504/1519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2019
Property Address	4874 OLD OAK TRL, SAINT CLOUD, FL 34771-9643
Document Number	0055260767
Book / Page	005526 / 000767
Instrument Date	May 10, 2019
Instrument	64112
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4874 OLD OAK TRL ST CLOUD FL 347719643, ST CLOUD, FL 34771-9643

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4874 OLD OAK TRL, SAINT CLOUD, FL 34771-9643
Document Number	0052050242
Book / Page	005205 / 000242
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Oct 5, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4874 OLD OAK TRL ST CLOUD FL 347719643, ST CLOUD, FL 34771-9643

Mortgage

Document Number	0052050242
Date	Sep 5, 2017
Book Page	005205/000242
Instrument	127760

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 4, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4874 Old Oak Trl was $6,811, up 1.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$6,811.00 (+1.6%)	$440,200 Land $95,000 Building $345,200	$440,200 Land $95,000 Building $345,200
2024	$6,704.00 (+121.99%)
2023	$3,020.00 (+4.5%) Homeowner's exemption	$211,892 (+3%)	$372,000 (+18.4%) Land $85,000 Building $287,000
2022	$2,890.00 Homeowner's exemption	$205,721	$314,200 Land $70,000 Building $244,200

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

Flood

FEMA maps place 4874 Old Oak Trl in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 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

Wildfire risk around 4874 Old Oak Trl is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 45% 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.

Nearby Properties on Old Oak Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures