4914 Zion Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4914 Zion Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,776 sqft · built 2002
Lot Size	0.267 acres (11,630 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (May 2022)
Tax Bill	$5,457 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-26-30-0586-0001-0180`

Property Details

APN / Parcel Number

Primary APN	`16-26-30-0586-0001-0180`
Alternative APNs	`263016058600010180` `85568`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,776 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,776 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,630 sqft (0.267 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	630 sqft
Porch	Metal Porch
Porch Area	244 sqft
Deck Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4914 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 18 22/26/30
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES UNIT 11
Legal Tract	586
Legal Block	180
Legal Lot Number	18
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43208

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4914 ZION DR, SAINT CLOUD, FL 34772-7321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE
May 24, 2022	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	Jul 15, 2004 · Amount on Record
Deed Document Number	202281948
Deed Book / Page	6220 / 466
Prior Transfer Date	Jan 3, 2018
Prior Transfer Doc	2018004085
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4914 ZION DR, SAINT CLOUD, FL 34772-7321
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4914 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number	0061951507
Date	Apr 18, 2022
Book Page	6195/1507
Instrument	2022060483

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Feb 1, 2042

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2022
Property Address	4914 ZION DR, SAINT CLOUD, FL 34772-7321
Document Number	0062200466
Book / Page	6220 / 466
Map Reference	MB 11 PG 193
Instrument Date	May 20, 2022
Instrument	2022081948
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4914 ZION DR, 4914, SAINT CLOUD, FL 34772-7321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4914 ZION DR, SAINT CLOUD, FL 34772-7321

Mortgage

Document Number	0006220467
Date	May 24, 2022
Instrument	6220/467

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

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	$5,457.00 (-5.11%) Homeowner's exemption	$347,800 (-1.72%) Land $75,000 Building $272,800	$347,800 (-1.72%) Land $75,000 Building $272,800
2024	$5,751.00 (+2.44%)
2023	$5,614.00 (+215.39%) Homeowner's exemption	$353,900 (+151.14%) Land $65,000 Building $288,900	$353,900 (+20.25%) Land $65,000 Building $288,900
2022	$1,780.00 Homeowner's exemption	$140,915	$294,300 Land $60,000 Building $234,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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