Osceola County property record for 4909 Lotta Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2021 |
| Square Footage | 3,180 sqft Heated Area |
| Lot Size | 5,663 sqft (0.13 acres) |
| Garage | Finished |
| Last Sale | $383,100 (2021) |
| Tax Bill | $10,194.00 (2025) |
| Primary APN | 202631342900012760 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,180 sqft Heated Area |
| Gross Area | 4,034 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished Garage |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4909 LOTTA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8770 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 276 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES |
| Legal Phase | 3 |
| Legal Tract | 3429 |
| Legal Lot Number | 276 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 202631342900012760
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 11929 PIONEERS WAY APT 1317, 1317, ORLANDO, FL 32832-2867 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 25, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Feb 25, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on Record |
| Deed Sale | Feb 25, 2021 · Amount on Record |
| Deed Doc Number | 2021027672 |
| Deed Book / Page | 5898 / 2057 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4909 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4909 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0062561838 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 6256/1838 |
| Instrument | 2022113424 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 25, 2021 |
| Property Address | 4909 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0058982057 |
| Book / Page | 5898 / 2057 |
| Map Reference | MB 29 PG 5 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021027672 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,681.70 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 4909 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0058982061 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 5898/2061 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $10,194.00 (+33.38%) | $499,600 (+23.77%) Land $100,000 Building $399,600 | $499,600 (+1.2%) Land $100,000 Building $399,600 |
| 2023 | $7,643.00 (+2.8%) Homeowner's exemption | $403,657 (+3%) | $493,700 (+25.98%) Land $95,000 Building $398,700 |
| 2022 | $7,435.00 Homeowner's exemption | $391,900 Land $80,000 Building $311,900 | $391,900 Land $80,000 Building $311,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 33% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 498 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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