4905 Emilee Grace Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4905 Emilee Grace Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,333 sqft · built 2006
Lot Size	0.271 acres (11,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Sep 2019)
Tax Bill	$4,198 (2025)
Deeds & Mortgages	Feb 2024 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-25-31-3017-0001-2220`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-3017-0001-2220`
Alternative APNs	`253119301700012220` `133077`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,333 sqft Living Area
Gross Area	3,200 sqft
1st Floor Area	2,333 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,804 sqft (0.271 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	427 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4905 EMILEE GRACE LN
City	SAINT CLOUD
State	FL
Zip	34771-8321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4 PB 17 PGS 123-124 LOT 222
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4
Legal Tract	3017
Legal Block	2220
Legal Lot Number	222
Legal Unit	4P
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 July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Sep 25, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Dec 5, 2012 · Amount on Record
Deed Document Number	2019124132
Deed Book / Page	5595 / 1042
Prior Transfer Date	Dec 6, 2012
Prior Transfer Doc	0000194158
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321

Mortgage

Document Number	0065422392
Date	Feb 1, 2024
Book Page	6542/2392
Instrument	2024013197

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 1, 2064

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321

Mortgage

Document Number	0062222299
Date	May 27, 2022
Book Page	6222/2299
Instrument	2022084211

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2019
Property Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Document Number	0055951042
Book / Page	5595 / 1042
Map Reference	MB 17 PG 123&124
Instrument Date	Sep 25, 2019
Instrument	2019124132
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6951 BIG BEND DR, 6951, SAINT CLOUD, FL 34771-7324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321

Mortgage

Document Number	0055951043
Date	Sep 25, 2019
Instrument	5595/1043

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,198.00 (+7.26%) Homeowner's exemption	$292,447 (+5.99%)	$429,900 (+5.34%) Land $75,000 Building $354,900
2023	$3,914.00 (+4.12%) Homeowner's exemption	$275,929 (+3%)	$408,100 (+6.47%) Land $60,000 Building $348,100
2022	$3,759.00 Homeowner's exemption	$267,893	$383,300 Land $55,000 Building $328,300

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 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 63% of the US · lower than 60% 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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