4875 Lake Shore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4875 Lake Shore Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,023 sqft · built 1961
Lot Size	0.312 acres (13,634 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Aug 2023)
Tax Bill	$3,277 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`3026315130000K0080`

Property Details

APN / Parcel Number

Primary APN	`3026315130000K0080`
Alternative APN	`98533`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,023 sqft Heated Area
Gross Area	1,549 sqft
1st Floor Area	1,023 sqft
Flooring	Terrazzo
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1971
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,634 sqft (0.312 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	316 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98533
Street Address	4875 LAKE SHORE DR
City	SAINT CLOUD
State	FL
Zip	34772-7577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	ST CLOUD MANOR VILLAGE PB 1 PG 395 BLK K LOT 8
Legal Range	31E
Legal Township	26S
Legal Section	30
Legal Subdivision	ST CLOUD MANOR VLG
Legal Tract	5130
Legal Block	K
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1036
Census Tract	43304

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4875 LAKE SHORE DR, SAINT CLOUD, FL 34772-7577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Special Warranty Deed, Transfer · FHA Mortgage MIDWEST MORTGAGE ASSOCIATES CORP
Apr 3, 2023	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2023 · Amount on Record
Deed Sale	Aug 18, 2023 · Amount on Record
Prior Sale	Apr 3, 2023 · Amount on Record
Deed Document Number	2023108973
Deed Book / Page	6460 / 730
Record Updated	Jun 8, 2026

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2023
Property Address	4875 LAKE SHORE DR, SAINT CLOUD, FL 34772-7577
Document Number	0064600730
Book / Page	6460 / 730
Map Reference	MB 1 PG 395
Instrument Date	Aug 17, 2023
Instrument	2023108973
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	749 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4875 LAKE SHORE DR, SAINT CLOUD, FL 34772-7577

Mortgage

Document Number	0006460732
Date	Aug 18, 2023
Instrument	6460/732

Lender

Name	MIDWEST MORTGAGE ASSOCIATES CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 3, 2023
Property Address	4875 LAKE SHORE DR, SAINT CLOUD, FL 34772-7577
Document Number	0063801828
Book / Page	6380 / 1828
Map Reference	MB 1 PG 395
Instrument Date	Apr 3, 2023
Instrument	2023037223
Transaction Type	Foreclosure
Record Updated	Apr 13, 2023

Transaction

Amount	Amount Recorded
Tax	$1,232.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	749 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396

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	$3,277.00 (+178.89%) Homeowner's exemption	$225,968 (+183.14%)	$226,200 (+10.4%) Land $60,000 Building $166,200
2023	$1,175.00 (+7.01%) Homeowner's exemption	$79,808 (+3%)	$204,900 (+21.1%) Land $45,000 Building $159,900
2022	$1,098.00 Homeowner's exemption	$77,484	$169,200 Land $40,000 Building $129,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 73% of the US · above 57% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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