4901 Isle Elm Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4901 Isle Elm Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,189 sqft · built 2007
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,900 (Jul 2011)
Tax Bill	$3,566 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2026 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0700`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0700`
Alternative APNs	`253118292700010700` `153427`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,189 sqft Living Area
Gross Area	3,822 sqft
1st Floor Area	1,553 sqft
Upper Floors Area	1,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,028 sqft (0.345 acres)
Garage Type	Attached
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	542 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4901 ISLE ELM CT
City	SAINT CLOUD
State	FL
Zip	34771-8865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLACKSTONE PB 19 PG 48-51 LOT 70
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	700
Legal Lot Number	70
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

Source: Osceola County records, as of April 24, 2026

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
Mailing Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit PRIME TITLE, PRIMERA TITLE
Dec 19, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Nov 21, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2011 · Amount on Record
Deed Sale	Jul 11, 2011 · Amount on Record
Prior Sale	Jul 30, 2010
Deed Document Number	201192819
Deed Book / Page	4150 / 1994
Last Transfer Date	Dec 17, 2025
Transfer Doc	0068960928
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 ISLE ELM CT, MAGNOLIA SQ, FL 34771-8865

Mortgage

Document Number	0059582030
Date	May 14, 2021
Book Page	5958/2030
Instrument	2021074685

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2026
Property Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Document Number	0000050640
Book / Page	6956 / 1969
Instrument Date	Apr 10, 2026
Instrument	202650640
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PRIME TITLE, PRIMERA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050640,
Date	Apr 16, 2026
Book Page	6956/1969
Instrument	202650640

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 19, 2025
Property Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Document Number	0068960928
Book / Page	6896 / 928
Map Reference	MB 19 PG 48-51
Instrument Date	Dec 17, 2025
Instrument	2025155115
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Investor	Possibly a Property Investor

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4901 ISLE ELM CT, SAINT CLOUD, FL 34771-8865
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054360973
Date	Nov 21, 2018
Book Page	5436/0973
Instrument	2018171134

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Nov 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,566.00 (+5.25%) Homeowner's exemption	$226,613 (+5.99%)	$461,100 (+12.41%) Land $90,000 Building $371,100
2024	$3,388.00 (+1.26%)
2023	$3,346.00 (+9.13%) Homeowner's exemption	$213,813 (+3%)	$410,200 (+12.69%) Land $70,000 Building $340,200
2022	$3,066.00 Homeowner's exemption	$207,586	$364,000 Land $60,000 Building $304,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 65% of the US · above 41% 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

Nearby Properties on Isle Elm Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures