Osceola County property record for 4913 Olivia Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,080 sqft · built 2021 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $357,619 (Jun 2021) |
| Tax Bill | $7,178 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 202631342900012420 |
| Primary APN | 202631342900012420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,080 sqft Heated Area |
| Gross Area | 2,660 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4913 OLIVIA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 242 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES |
| Legal Phase | 3 |
| Legal Tract | 3429 |
| Legal Lot Number | 242 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 202631342900012420
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 | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 27, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 24, 2021 | Special Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 24, 2021 · Amount on Record |
| Deed Sale | Jun 24, 2021 · Amount on Record |
| Deed Document Number | 2021099148 |
| Deed Book / Page | 5988 / 1672 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0064601717 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 6460/1717 |
| Instrument | 2023109217 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0062921525 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 6292/1525 |
| Instrument | 2022145774 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jul 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2021 |
| Property Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0059881672 |
| Book / Page | 5988 / 1672 |
| Map Reference | MB 29 PG 5-8 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021099148 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | TRINITY TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,503.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223 |
| Name | Verified Name |
|---|---|
| Address | 4913 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0059881674 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 5988/1674 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 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 | $7,178.00 (+6.26%) Homeowner's exemption | $349,442 (+5.99%) | $391,800 (+1.48%) Land $100,000 Building $291,800 |
| 2023 | $6,755.00 (+2.58%) Homeowner's exemption | $329,703 (+3%) | $386,100 (+20.62%) Land $95,000 Building $291,100 |
| 2022 | $6,585.00 Homeowner's exemption | $320,100 Land $80,000 Building $240,100 | $320,100 Land $80,000 Building $240,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 157 of 173 on primary residences |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022, river or lake flooding, Hurricane Ian |
| Flood Events |
|
| 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.
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