4910 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4910 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,152 sqft · built 2002
Lot Size	0.198 acres (8,624 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Jul 2017)
Tax Bill	$2,067 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0586-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0586-0001-0200`
Alternative APNs	`263016058600010200` `85570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,152 sqft Living Area
Gross Area	2,588 sqft
1st Floor Area	2,152 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,624 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4910 ZION DR
City	SAINT CLOUD
State	FL
Zip	34772-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT 11 PB 11 PG 193-196 LOT 20 22/26/30
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 11
Legal Tract	586
Legal Block	200
Legal Lot Number	20
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

4910 Zion Dr is owned and occupied by an individual who bought it in July 2017.

Source: Osceola County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 15, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 3, 2017	Warranty Deed, Transfer STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2017 · Amount on File
Deed Sale	Jul 3, 2017 · Amount on File
Prior Sale	Sep 15, 2004 · Amount on File
Deed Document Number	201796590
Deed Book / Page	5173 / 526
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2026
Property Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321
Document Number	0000122953
Book / Page	7038 / 2012
Instrument Date	Sep 17, 2026
Instrument	2026122953
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number	0000122953,
Date	Sep 23, 2026
Book Page	7038/2012
Instrument	2026122953

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number	0064070147
Date	May 15, 2023
Book Page	6407/147
Instrument	2023061661

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number	0061461345
Date	Feb 9, 2022
Book Page	6146/1345
Instrument	2022021434

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2017
Property Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321
Document Number	0051730526
Book / Page	5173 / 0526
Map Reference	MB11 PG193-196
Instrument Date	Jun 29, 2017
Instrument	2017096590
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,624.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	63 HAWTHORNE BLVD, 63, LEESBURG, FL 34748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4910 ZION DR, SAINT CLOUD, FL 34772-7321

Tax Assessment & Valuation

The 2025 property tax bill for 4910 Zion Dr was $2,067 with a homeowner's exemption.

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,067.00 Homeowner's exemption	$158,391	$356,500 Land $75,000 Building $281,500
2023	$1,932.00 (+4.15%) Homeowner's exemption	$149,445 (+3%)	$368,000 (+21.25%) Land $65,000 Building $303,000
2022	$1,855.00 Homeowner's exemption	$145,093	$303,500 Land $60,000 Building $243,500

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

Flood

FEMA maps place 4910 Zion Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 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

Wildfire risk around 4910 Zion Dr is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 152 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

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