4901 Lillian Black Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4901 Lillian Black Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,782 sqft · built 2003
Lot Size	0.39 acres (16,988 sqft)
Owner	Company Name on Record
Last Sale	$196,500 (Sep 2026)
Tax Bill	$996 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-4910-0010-0060`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-4910-0010-0060`
Alternative APNs	`253129491000100060` `92636`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,782 sqft Living Area
1st Floor Area	1,782 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	150 ft deep x 118 ft wide

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4901 LILLIAN BLACK RD
City	SAINT CLOUD
State	FL
Zip	34771-8222
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAC
Legal Description	RUNNYMEDE PB 1 PG 57 BLK 10 LOTS 6 & 7 & ABANDONED RR R/W ABUTTING R/W LOT 6 & 7 LESS W 1/2 LOT 6 & 7 AND LESS BEG AT N R/W LILLIAN BLACK RD & W R/W HWY 15, W 22.24 FT, N 01 DEG W 149.78 FT, E 22.11 FT, S 01 DEG E 149.75 FT TO POB
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE NORTH HALF TOWN OF
Legal Tract	4910
Legal Block	10
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of September 22, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3298 BOGGY CREEK RD, KISSIMMEE, FL 34744-9528
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Affidavit, Transfer
Sep 11, 2026	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Sep 20, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 26, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Nov 1, 2018	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Apr 2, 2003 · Amount on Record
Deed Document Number	2026118293
Deed Book / Page	7033 / 1167
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2026
Property Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222
Document Number	0000118291
Book / Page	7033 / 1163
Instrument Date	Sep 10, 2026
Instrument	2026118291
Transaction Type	Transfer
Record Updated	Sep 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2026
Property Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222
Document Number	0000118293
Book / Page	7033 / 1167
Instrument Date	Sep 9, 2026
Instrument	2026118293
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$138,925.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3298 BOGGY CREEK RD, KISSIMMEE, FL 34744-9528

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222

Mortgage

Document Number	0064770227
Date	Sep 20, 2023
Book Page	6477/227
Instrument	2023123942

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2048

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222

Mortgage

Document Number	0060091573
Date	Jul 26, 2021
Book Page	6009/1573
Instrument	2021115271

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Oct 1, 2048

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4901 LILLIAN BLACK RD, SAINT CLOUD, FL 34771-8222
Document Number	0054331781
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4901 LILLIAN BLACK RD ST CLOUD FL 347718222, ST CLOUD, FL 34771-8222

Mortgage

Document Number	0054331781
Date	Nov 14, 2018
Book Page	005433/001781
Instrument	168658

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2048

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	$996.00 (+13.44%) Homeowner's exemption Widower's exemption	$51,288 (+5.98%)	$91,100 (+13.17%) Land $11,200 Building $79,900
2023	$878.00 (+0.23%) Homeowner's exemption Widower's exemption	$48,392 (+3%)	$80,500 (+30.89%) Land $7,500 Building $73,000
2022	$876.00 Homeowner's exemption Widower's exemption	$46,983	$61,500 Land $7,500 Building $54,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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