Osceola County property record for 4879 Zion Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,647 sqft · built 2003 |
| Lot Size | 0.205 acres (8,930 sqft) |
| Owner | Individual Name on File |
| Last Sale | $28,500 (Jan 2003) |
| Tax Bill | $1,190 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85620 |
| Primary APN | 85620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,647 sqft Heated Area |
| Gross Area | 2,540 sqft |
| 1st Floor Area | 1,647 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,930 sqft (0.205 acres) |
| Lot Dimensions | 115 ft deep x 78 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 452 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85620 |
|---|---|
| Street Address | 4879 ZION DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7735 |
| 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 45 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES |
| Legal Tract | 588 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Legal Unit | 12 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 43208 |
Source: Osceola County records · APN 85620
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 07, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 20, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 17, 2003 · Amount on Record |
| Deed Sale | Jan 17, 2003 · Amount on Record |
| Prior Sale | Jan 17, 2003 · Amount on Record |
| Deed Document Number | 0021790925 |
| Last Transfer Date | Jun 13, 2023 |
| Transfer Doc | 0064232437 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 13, 2023 |
| Property Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Document Number | 0064232437 |
| Book / Page | 6423 / 2437 |
| Map Reference | MB 13 PG 132-135 |
| Instrument Date | May 18, 2023 |
| Instrument | 2023076253 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Name | Verified Name |
|---|---|
| Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061241368 |
|---|---|
| Date | Jan 07, 2022 |
| Book Page | 6124/1368 |
| Instrument | 2022003815 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4879 ZION DR, SAINT CLOUD, FL 34772-7735 |
| Document Number | 0051221058 |
| Book / Page | 005122 / 001058 |
| Instrument Date | Mar 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4879 ZION DR ST CLOUD FL 347727735, ST CLOUD, FL 34772-7735 |
| Document Number | 0051221058 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 005122/001058 |
| Instrument | 46458 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,190.00 (+9.78%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $126,048 (+5.99%) | $316,600 (-2.58%) Land $75,000 Building $241,600 |
| 2023 | $1,084.00 (-1.81%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $118,929 (+3%) | $325,000 (+20.77%) Land $65,000 Building $260,000 |
| 2022 | $1,104.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $115,466 | $269,100 Land $60,000 Building $209,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Verizon.
Based on FCC filings for 402 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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