Osceola County property record for 4936 Lotta Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,414 sqft · built 2020 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $489,000 (May 2022) |
| Tax Bill | $9,066 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 202631342900012620 |
| Primary APN | 202631342900012620 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,414 sqft Heated Area |
| Gross Area | 3,410 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4936 LOTTA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8770 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 262 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES |
| Legal Phase | 3 |
| Legal Tract | 3429 |
| Legal Lot Number | 262 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 202631342900012620
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| May 06, 2022 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Jan 07, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 06, 2022 · Amount on Record |
| Deed Sale | May 06, 2022 · Amount on Record |
| Prior Sale | Jan 07, 2021 · Amount on Record |
| Deed Document Number | 2022072253 |
| Deed Book / Page | 6209 / 33 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0063730080 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | 6373/80 |
| Instrument | 2023031118 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 06, 2022 |
| Property Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0062090033 |
| Book / Page | 6209 / 33 |
| Map Reference | MB 29 PG 5-8 |
| Instrument Date | May 05, 2022 |
| Instrument | 2022072253 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2022 |
| Title Company | INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,423.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2940 HOODED CRANE CV, 2940, HARMONY, FL 34773-6141 |
| Name | Verified Name |
|---|---|
| Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0000620935 |
|---|---|
| Date | May 06, 2022 |
| Instrument | 6209/35 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 07, 2021 |
| Property Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0058662255 |
| Book / Page | 5866 / 2255 |
| Map Reference | MB 29 PG 5 |
| Instrument Date | Jan 06, 2021 |
| Instrument | 2021002674 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,713.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 4936 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0058662259 |
|---|---|
| Date | Jan 07, 2021 |
| Instrument | 5866/2259 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 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 | $9,066.00 (+3.81%) Homeowner's exemption | $453,700 (+3.21%) Land $100,000 Building $353,700 | $453,700 (+3.21%) Land $100,000 Building $353,700 |
| 2023 | $8,733.00 (+18.45%) Homeowner's exemption | $439,600 (+20.8%) Land $95,000 Building $344,600 | $439,600 (+20.8%) Land $95,000 Building $344,600 |
| 2022 | $7,373.00 Homeowner's exemption | $363,900 Land $80,000 Building $283,900 | $363,900 Land $80,000 Building $283,900 |
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 |
| 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 |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 303 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
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