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4904 Lotta Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4904 Lotta Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,957 sqft · built 2021
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$339,300 (Feb 2021)
Tax Bill$7,337 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202631342900012540

Property Details

APN / Parcel Number

Primary APN202631342900012540

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,957 sqft Heated Area
Gross Area2,700 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4904 LOTTA CT
CitySAINT CLOUD
StateFL
Zip34772-8770
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 254
Legal Range31E
Legal Township26S
Legal Section20
Legal SubdivisionHANOVER LAKES
Legal Phase3
Legal Tract3429
Legal Lot Number254
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1041
Census Tract43301

Owner

Source: Osceola County records · APN 202631342900012540

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address4904 LOTTA CT, SAINT CLOUD, FL 34772-8770
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 18, 2021 · Amount on Record
Deed SaleFeb 18, 2021 · Amount on Record
Deed Document Number2021023564
Deed Book / Page5893 / 1933
Record UpdatedJun 08, 2026

February 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 18, 2021
Property Address4904 LOTTA CT, SAINT CLOUD, FL 34772-8770
Document Number0058931933
Book / Page5893 / 1933
Map ReferenceMB 29 PG 5
Instrument DateFeb 16, 2021
Instrument2021023564
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,375.10
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4904 LOTTA CT, SAINT CLOUD, FL 34772-8770

Mortgage

Document Number0058931937
DateFeb 18, 2021
Instrument5893/1937
Lender
NameLENNAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$7,337.00 (+2.33%) Homeowner's exemption$383,100 (+1.51%) Land $100,000 Building $283,100$383,100 (+1.51%) Land $100,000 Building $283,100
2023$7,170.00 (+5.83%) Homeowner's exemption$377,400 (+20.61%) Land $95,000 Building $282,400$377,400 (+20.61%) Land $95,000 Building $282,400
2022$6,775.00$312,900 Land $80,000 Building $232,900$312,900 Land $80,000 Building $232,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskModerate
above 61% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 515 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 303 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
SpectrumCable1,000 / 1,000

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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