4900 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4900 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,397 sqft · built 2004
Lot Size	0.285 acres (12,458 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Oct 2019)
Tax Bill	$4,491 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85575`

Property Details

APN / Parcel Number

Primary APN	`85575`
Alternative APN	`162630058600010250`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,397 sqft Heated Area
Gross Area	3,240 sqft
1st Floor Area	2,397 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,458 sqft (0.285 acres)
Garage Type	Finished
Garage Area	649 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	25 sqft
Porch	Open Porch
Porch Area	194 sqft
Deck Area	815 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85575
Street Address	4900 ZION DR
City	SAINT CLOUD
State	FL
Zip	34772-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 11 PB 11 PG 193-196 LOT 25 22/26/30
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	586
Legal Block	1
Legal Lot Number	22,25
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

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	4900 ZION DR, SAINT CLOUD, FL 34772-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2017	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Oct 10, 2019	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Prior Sale	Feb 26, 2016 · Amount on Record
Deed Document Number	2019130944
Deed Book / Page	5603 / 1817
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4900 ZION DR, SAINT CLOUD, FL 34772-7321
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050912881
Date	Jan 26, 2017
Book Page	5091/2881
Instrument	2017014490

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2019
Property Address	4900 ZION DR, SAINT CLOUD, FL 34772-7321
Document Number	0056031817
Book / Page	005603 / 001817
Instrument Date	Oct 3, 2019
Instrument	130944
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	LAUREATE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 ZION DR ST CLOUD FL 347727321, ST CLOUD, FL 34772-7321

Mortgage

Document Number	56031819
Date	Oct 10, 2019
Book Page	005603/001819
Instrument	130945

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 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	$4,491.00 (+6.22%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$298,833 (+5.99%)	$416,200 (-3.1%) Land $75,000 Building $341,200
2023	$4,228.00 (+3.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$281,954 (+3%)	$429,500 (+19.57%) Land $65,000 Building $364,500
2022	$4,083.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$273,742	$359,200 Land $60,000 Building $299,200

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 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

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 71% of Florida
Wildfire Likelihood	0.1% 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Xfinity.

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