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4902 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4902 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,741 sqft · built 2002
Lot Size0.198 acres (8,624 sqft)
Owner2 Individual Names on Record
Last Sale$177,000 (Sep 2008)
Tax Bill$508 (2025)
Deeds & MortgagesNov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN16-26-30-0586-0001-0240

Property Details

APN / Parcel Number

Primary APN16-26-30-0586-0001-0240
Alternative APNs
  • 263016058600010240
  • 85574

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,741 sqft Living Area
Gross Area2,334 sqft
1st Floor Area1,741 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,624 sqft (0.198 acres)
Lot Dimensions115 ft deep x 75 ft wide
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area173 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4902 ZION DR
CitySAINT CLOUD
StateFL
Zip34772-7321
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionCANOE CREEK LAKES UNIT 11 PB 11 PG 193-196 LOT 24 22/26/30
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionCANOE CREEK LAKES UNIT 11
Legal Tract586
Legal Block240
Legal Lot Number24
Legal Unit11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2012
Census Tract43208

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address4902 ZION DR, SAINT CLOUD, FL 34772-7321
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2008 · Amount on Record
Deed SaleSep 11, 2008 · Amount on Record
Prior SaleJul 9, 2008 · Amount on Record
Deed Document Number2008145372
Deed Book / Page3735 / 1661
Last Transfer DateJun 22, 2012
Transfer Doc0042930059
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4902 ZION DR, SAINT CLOUD, FL 34772-7321
Transaction TypeMortgage
Record UpdatedSep 14, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4902 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number0058272178
DateNov 5, 2020
Book Page5827/2178
Instrument2020151244
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 1, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$508.00 (+2.01%) Homeowner's exemption$60,728 (+5.98%)$325,500 (+200.83%) Land $75,000 Building $250,500
2024$498.00 (+0.81%)
2023$494.00 (+1.86%) Homeowner's exemption$57,299 (+3%)$108,200 (+13.42%) Land $65,000 Building $43,200
2022$485.00 Homeowner's exemption$55,631$95,400 Land $60,000 Building $35,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 41 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies41 in force
Nearby Flood Claims2 (2015–2020)
Claims Outside the SFHA2 of 2
Most Recent ClaimJan 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 RiskModerate
above 57% of the US · lower than 71% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

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

May also be available: Xfinity.

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