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4938 Raylene Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4938 Raylene Way, Saint Cloud, FL 34771 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2004
Square Footage2,422 sqft Living Area
Lot Size13,242 sqft (0.304 acres)
GarageAttached, 728 sqft
Last Sale$320,000 (2018)
Tax Bill$4,393.00 (2024)

Property Details

APN / Parcel Number

Primary APN19-25-31-3015-0001-0780
Alternative APNs
  • 253119301500010780
  • 117584

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,422 sqft Living Area
Gross Area3,622 sqft Gross Area
1st Floor2,422 sqft 1st Floor
Stories1 Stories
Primary FlooringWood 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 Area13,242 sqft (0.304 acres)
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area728 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area450 sqft Pool
Deck Area657 sqft Deck
Porch Area472 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4938 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 78
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract3015
Legal Block780
Legal Lot Number78
Legal UnitW
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1032
Census Tract43600

Owner

Source: Osceola County records · APN 19-25-31-3015-0001-0780

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

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

Owner of Record2 Individual Names on File
Mailing Address16865 RANAHAN TRL, 110, LAND O LAKES, FL 34638-0084
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenant/Joint Tenant w/ Right Of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Oct 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA
Nov 09, 2018Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 09, 2018 · Amount on Record
Deed SaleNov 09, 2018 · Amount on Record
Prior SaleNov 05, 2003 · Amount on Record
Deed Doc Number2018167111
Deed Book / Page5431 / 2838
Record RefreshedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4938 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4938 RAYLENE WAY, SAINT CLOUD, FL 34771-8318

Mortgage

Document Number0058231228
DateOct 30, 2020
Book Page5823/1228
Instrument2020147867
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 09, 2018
Property Address4938 RAYLENE WAY, SAINT CLOUD, FL 34771-8318
Document Number0054312838
Book / Page005431 / 002838
Instrument DateNov 05, 2018
Instrument167111
Transaction TypeTransfer
Record UpdatedDec 03, 2018
Title CompanyWATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address4938 RAYLENE WAY ST CLOUD FL 347718318, ST CLOUD, FL 34771-8318

Mortgage

Document Number54312840
DateNov 09, 2018
Book Page005431/002840
Instrument167112
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueNov 08, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 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$7,300.00 (+66.17%)$475,500 (+56.55%) Land $82,500 Building $393,000$475,500 (+5.83%) Land $82,500 Building $393,000
2024$4,393.00 (+2.12%)
2023$4,302.00 (+4.01%) Homeowner's exemption$303,735 (+3%)$449,300 (+6.12%) Land $66,000 Building $383,300
2022$4,136.00 Homeowner's exemption$294,889$423,400 Land $60,500 Building $362,900

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.

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