4908 Lotta Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4908 Lotta Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,714 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	Company Name on File
Last Sale	$379,200 (Mar 2021)
Tax Bill	$9,433 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3429-0001-2550`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3429-0001-2550`
Alternative APN	`263120342900012550`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,714 sqft Living Area
Gross Area	3,432 sqft
1st Floor Area	1,178 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4908 LOTTA CT
City	SAINT CLOUD
State	FL
Zip	34772-8770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 255
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Lot Number	255
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 20-26-31-3429-0001-2550

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	11476 WILLOW GARDENS DR, WINDERMERE, FL 34786-6015
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Deed Document Number	202145300
Deed Book / Page	5921 / 155
Record Updated	Jun 08, 2026

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 26, 2021
Property Address	4908 LOTTA CT, SAINT CLOUD, FL 34772-8770
Document Number	0059210155
Book / Page	5921 / 155
Map Reference	MB 29 PG 5
Instrument Date	Feb 24, 2021
Instrument	2021045300
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,654.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6117 METROWEST BLVD UNIT 105, 105, ORLANDO, FL 32835-2960

Mortgage

Document Number	0005921159
Date	Mar 26, 2021
Instrument	5921/159

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,433.00 (+0.84%)	$457,100 (+1.29%) Land $100,000 Building $357,100	$457,100 (+1.29%) Land $100,000 Building $357,100
2024	$9,354.00 (+6.76%)
2023	$8,762.00 (+11.31%)	$451,300 (+20.73%) Land $95,000 Building $356,300	$451,300 (+20.73%) Land $95,000 Building $356,300
2022	$7,872.00	$373,800 Land $80,000 Building $293,800	$373,800 Land $80,000 Building $293,800

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 515 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

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