4885 Old Oak Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4885 Old Oak Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,864 sqft · built 2021
Lot Size	0.719 acres (31,363 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,700 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Feb 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`292531491000630070`

Property Details

APN / Parcel Number

Primary APN	`292531491000630070`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,864 sqft Heated Area
Gross Area	2,792 sqft
Flooring	Carpet
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	31,363 sqft (0.719 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	412 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4885 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 1/2 OF LOTS LOTS 7 THRU 10 AND S 1/2 OF VAC O ST LYING N AND W 1/2 OF VAC PENN AVE ABUTTING E
Legal Subdivision	RUNNYMEDE BLKS AND CHISHOLM TRAILS
Legal Block	63
Legal Lot Number	7-10
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 December 11, 2025

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

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2024	Deed of Trust, Mortgage · Line of Credit SOUTHSTATE BANK NA
Feb 10, 2022	Correction Deed STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Apr 13, 2021	Correction Deed STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Jan 15, 2021	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2022
Deed Sale	Feb 7, 2022
Deed Document Number	0006148815
Deed Book / Page	5871 / 2815
Prior Transfer Date	Jan 15, 2021
Prior Transfer Doc	2021007252
Record Updated	Jun 8, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690

Mortgage

Document Number	0066780314
Date	Oct 14, 2024
Book Page	6678/314
Instrument	2024129705

Lender

Name	SOUTHSTATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Sep 20, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 10, 2022
Property Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Document Number	0061480815
Book / Page	6148 / 815
Map Reference	MB 1 PG 4&5
Instrument Date	Feb 7, 2022
Instrument	2022022993
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4883 OLD OAK TRL, SAINT CLOUD, FL 34771-9690

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4864 MEADOW DR, SAINT CLOUD, FL 34772-7580

April 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2021
Property Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Document Number	0059340370
Book / Page	5934 / 370
Map Reference	MB 1 PG 4&5
Instrument Date	Apr 13, 2021
Instrument	2021055346
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4864 MEADOW DR, SAINT CLOUD, FL 34772-7580

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2021
Property Address	4885 OLD OAK TRL, SAINT CLOUD, FL 34771-9690
Document Number	0058712815
Book / Page	5871 / 2815
Map Reference	MB 1 PG 4&5
Instrument Date	Jan 15, 2021
Instrument	2021007252
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	37299 GILES RD, GRAFTON, OH 44044-9129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782

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	$6,700.00 (+21.66%) Homeowner's exemption	$421,570 (+22.02%)	$612,000 (+21.21%) Land $76,700 Building $535,300
2023	$5,507.00 (+33.31%) Homeowner's exemption	$345,487 (+3%)	$504,900 (+18.8%) Land $76,700 Building $428,200
2022	$4,131.00 Homeowner's exemption	$335,425	$425,000 Land $61,400 Building $363,600

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 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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