4915 Emilee Grace Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4915 Emilee Grace Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,549 sqft · built 2005
Lot Size	0.339 acres (14,766 sqft)
Owner	Company Name on Record
Last Sale	$285,000 (May 2014)
Tax Bill	$7,029 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-25-31-3017-0001-2170`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-3017-0001-2170`
Alternative APNs	`253119301700012170` `133072`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,549 sqft Living Area
Gross Area	3,382 sqft
1st Floor Area	2,549 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,766 sqft (0.339 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	364 sqft
Porch	Finished/Open Porch
Porch Area	373 sqft
Deck Area	413 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4915 EMILEE GRACE LN
City	SAINT CLOUD
State	FL
Zip	34771-8321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4 PB 17 PGS 123-124 LOT 217
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4
Legal Tract	3017
Legal Block	2170
Legal Lot Number	217
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of May 6, 2026

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

Owner of Record	Company Name on Record
Mailing Address	4915 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Owner Type	Company
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 19, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2014 · Amount on Record
Deed Sale	May 12, 2014 · Amount on Record
Prior Sale	Jun 16, 2005 · Amount on Record
Deed Document Number	201466665
Deed Book / Page	4607 / 2709
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4915 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4915 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321

Mortgage

Document Number	0062322993
Date	Jun 14, 2022
Book Page	6232/2993
Instrument	2022093175

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4915 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050881060
Date	Jan 19, 2017
Book Page	5088/1060
Instrument	2017010598

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Sep 1, 2044

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4915 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8321
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058110357
Date	Oct 13, 2020
Book Page	5811/357
Instrument	2020137350

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,029.00 (+1,013.95%)	$455,900 (+57.82%) Land $75,000 Building $380,900	$455,900 (+5.46%) Land $75,000 Building $380,900
2024	$631.00 (+1.61%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$288,877 (+3%)	$432,300 (+6.01%) Land $60,000 Building $372,300
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$280,464	$407,800 Land $55,000 Building $352,800

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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