4920 Emilee Grace Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4920 Emilee Grace Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,683 sqft · built 2005
Lot Size	0.253 acres (11,064 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Dec 2015)
Tax Bill	$3,954 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`133062`

Property Details

APN / Parcel Number

Primary APN	`133062`
Alternative APN	`192531301700012070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,683 sqft Heated Area
Gross Area	3,822 sqft
1st Floor Area	2,233 sqft
Upper Floors Area	450 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.253 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	674 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	465 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	133062
Street Address	4920 EMILEE GRACE LN
City	SAINT CLOUD
State	FL
Zip	34771-8320
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 207
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract	3017
Legal Block	1
Legal Lot Number	207
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

4920 Emilee Grace Ln is owned and occupied by two individuals who bought it in December 2015.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4920 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8320
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
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2015 · Amount on File
Deed Sale	Dec 28, 2015 · Amount on File
Prior Sale	Apr 13, 2015 · Amount on File
Deed Document Number	2015189413
Deed Book / Page	4890 / 2762
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4920 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8320
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8320
Investor	Possibly a Property Investor

Mortgage

Document Number	0065100089
Date	Nov 27, 2023
Book Page	6510/89
Instrument	2023154703

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 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	4920 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8320
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4920 EMILEE GRACE LN, SAINT CLOUD, FL 34771-8320
Investor	Possibly a Property Investor

Mortgage

Document Number	0061421407
Date	Feb 2, 2022
Book Page	6142/1407
Instrument	2022018065

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4920 Emilee Grace Ln was $3,954 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,954.00 Homeowner's exemption	$274,853	$462,300 Land $75,000 Building $387,300
2023	$3,682.00 (+4.19%) Homeowner's exemption	$259,328 (+3%)	$439,900 (+6.46%) Land $60,000 Building $379,900
2022	$3,534.00 Homeowner's exemption	$251,775	$413,200 Land $55,000 Building $358,200

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

Flood

FEMA maps place 4920 Emilee Grace Ln in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File 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

Wildfire risk around 4920 Emilee Grace Ln is moderate, ranking above 63% of the US, with a 0.2% annual chance of 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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