4882 Knoll Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4882 Knoll Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,842 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$382,000 (Aug 2025)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`192631021400010580`

Property Details

APN / Parcel Number

Primary APN	`192631021400010580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,842 sqft Heated Area
Gross Area	2,547 sqft
1st Floor Area	1,842 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	441 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	264 sqft
Patio Area	196 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4882 KNOLL LN
City	SAINT CLOUD
State	FL
Zip	34772-8948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY GROVE PH 1 PB 27 PGS 6-8 LOT 58
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	HICKORY GROVE
Legal Phase	1
Legal Tract	214
Legal Lot Number	58
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1019
Census Tract	43304

Owner

Source: Osceola County records, as of February 18, 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
Mailing Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 20, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 18, 2025	Warranty Deed, Transfer · FHA Mortgage SOUTH STATE BANK NA
Aug 28, 2019	Grant Deed, Transfer · FHA Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2025 · Amount on Record
Deed Sale	Aug 18, 2025 · Amount on Record
Prior Sale	Aug 28, 2019
Deed Document Number	2025102643
Deed Book / Page	6836 / 588
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 KNOII LN, SAINT CLOUD, FL 34772

Mortgage

Document Number	0066472086
Date	Aug 9, 2024
Book Page	6647/2086
Instrument	2024103830

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948

Mortgage

Document Number	0060051714
Date	Jul 20, 2021
Book Page	6005/1714
Instrument	2021112049

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2025
Property Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948
Document Number	0068360588
Book / Page	6836 / 588
Map Reference	MB 27 PG 6
Instrument Date	Aug 14, 2025
Instrument	2025102643
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,674.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2905 SHARP RD, KISSIMMEE, FL 34744-5624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948

Mortgage

Document Number	0006836591
Date	Aug 18, 2025
Instrument	6836/591

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 28, 2019
Property Address	4882 KNOLL LN, SAINT CLOUD, FL 34772-8948
Document Number	0055810159
Book / Page	005581 / 000159
Instrument Date	Aug 27, 2019
Instrument	111899
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4882 KNOLL LN ST CLOUD FL 347728948, ST CLOUD, FL 34772-8948

Mortgage

Document Number	55810161
Date	Aug 28, 2019
Book Page	005581/000161
Instrument	111900

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,093.00 (+6.43%) Homeowner's exemption	$215,683 (+5.99%)	$336,200 (-5.46%) Land $75,000 Building $261,200
2023	$2,906.00 (+6.14%) Homeowner's exemption	$203,500 (+4.85%)	$355,600 (+30.5%) Land $70,000 Building $285,600
2022	$2,738.00 Homeowner's exemption	$194,078	$272,500 Land $55,000 Building $217,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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