1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Raylene Way

4928 Raylene Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4928 Raylene Way, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,970 sqft Living Area
Lot Size11,064 sqft (0.254 acres)
OccupancyOwner Occupied
Last Sale$269,000 (2018)
Tax Bill$5,189.00 (2025)

Property Details

APN / Parcel Number

Primary APN19-25-31-3015-0001-0730
Alternative APNs
  • 253119301500010730
  • 117579

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,970 sqft Living Area
Gross Area2,496 sqft Gross Area
1st Floor1,750 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,064 sqft (0.254 acres)
Depth X Width130 ft x 85 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area460 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area312 sqft Pool
Deck Area468 sqft Deck
Patio Area46 sqft Patio
Porch Area286 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4928 RAYLENE WAY
CitySAINT CLOUD
StateFL
Zip34771-8318
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEAST LAKE RESERVE AT NARCOOSSEE UNIT TWO PB 15 PGS 127-128 20-25-31 LOT 73
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract3015
Legal Block730
Legal Lot Number73
Legal UnitW
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1032
Census Tract43600

Owner

Source: Osceola County records · APN 19-25-31-3015-0001-0730

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 09, 2026Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 11, 2020Warranty Deed, Transfer · Conventional Mortgage
UMC MORTGAGE CO
Feb 14, 2018Warranty Deed, Transfer · Veterans Administration Mortgage
USAA
Oct 05, 2017Loan Modification, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 14, 2018 · Amount on Record
Deed SaleFeb 14, 2018 · Amount on Record
Prior SaleMar 23, 2004 · Amount on Record
Deed Doc Number201825014
Deed Book / Page5285 / 1034
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 09, 2026
Property Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Document Number0000089972
Book / Page7001 / 1489
Instrument DateJun 30, 2026
Instrument202689972
Transaction TypeMortgage
Record UpdatedJul 21, 2026
Title CompanyPENNYMAC LOAN SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318

Mortgage

Document Number0000089972,
DateJul 09, 2026
Book Page7001/1489
Instrument202689972
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 01, 2046
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 11, 2020
Property Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Document Number0057720577
Book / Page5772 / 577
Map ReferenceMB 15 PG 127&128
Instrument DateAug 05, 2020
Instrument2020105348
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyBOSTON NATIONAL TTL AGCY LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,303.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address8107 MILLWOOD DR, 8107, HUDSON, FL 34667-6989

Transferred To (Grantee/Buyer)

NameVerified Name
Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318

Mortgage

Document Number0005772579
DateAug 11, 2020
Instrument5772/579
Lender
NameUMC MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 14, 2018
Property Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Document Number0052851034
Book / Page005285 / 001034
Instrument DateFeb 13, 2018
Instrument25014
Transaction TypeTransfer
Record UpdatedFeb 27, 2018
Title CompanyFIRST ADVANTAGE TITLE COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,883.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4928 RAYLENE WAY ST CLOUD FL 347718318, ST CLOUD, FL 34771-8318

Mortgage

Document Number52851035
DateFeb 14, 2018
Book Page005285/001035
Instrument25015
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 13, 2048

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address4928 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Document Number0052441657
Instrument DateOct 05, 2017
Transaction TypeMortgage
Record UpdatedAug 29, 2018
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address4928 RAYLENE WAY ST CLOUD FL 347718318, ST CLOUD, FL 34771-8318

Mortgage

Document Number0052441657
DateNov 27, 2017
Book Page005244/001657
Instrument168273
Lender
NameWELLS FARGO BK
TypeBank
AddressFORT MILL, SC 29715
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term480 Months
DueNov 26, 2057
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,189.00 (+6.86%) Homeowner's exemption$363,961 (+5.99%)$376,800 (+6.35%) Land $75,000 Building $301,800
2023$4,856.00 (+3.87%) Homeowner's exemption$343,402 (+3%)$354,300 (+6.27%) Land $60,000 Building $294,300
2022$4,675.00 Homeowner's exemption$333,400 Land $55,000 Building $278,400$333,400 Land $55,000 Building $278,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 64% of the US · above 39% of Florida
Wildfire LikelihoodAbout 1 in 375 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Raylene Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures