4941 Lotta Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4941 Lotta Ct, Saint Cloud, FL 34772 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,414 sqft · built 2021
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$386,000 (Mar 2021)
Tax Bill	$8,079 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-3429-0001-2680`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-3429-0001-2680`
Alternative APN	`263120342900012680`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,414 sqft Living Area
Gross Area	3,255 sqft
1st Floor Area	2,414 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	550 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4941 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 268
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Lot Number	268
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 20-26-31-3429-0001-2680

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4941 LOTTA CT, SAINT CLOUD, FL 34772-8770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	202135265
Deed Book / Page	5908 / 1543
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 10, 2026
Property Address	4941 LOTTA CT, SAINT CLOUD, FL 34772-8770
Document Number	0000076429
Book / Page	6986 / 344
Instrument Date	May 29, 2026
Instrument	202676429
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4941 LOTTA CT, SAINT CLOUD, FL 34772-8770

Mortgage

Document Number	0000076429,
Date	Jun 10, 2026
Book Page	6986/344
Instrument	202676429

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 12, 2066

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,079.00 (+6.47%) Homeowner's exemption	$398,566 (+5.99%)	$446,800 (+1.34%) Land $100,000 Building $346,800
2023	$7,588.00 (+2.61%) Homeowner's exemption	$376,053 (+3%)	$440,900 (+20.76%) Land $95,000 Building $345,900
2022	$7,395.00 Homeowner's exemption	$365,100 Land $80,000 Building $285,100	$365,100 Land $80,000 Building $285,100

Flood & Wildfire

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

Flood

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	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

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.

Internet Providers

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)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.