4945 Olivia Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4945 Olivia Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,166 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$436,400 (Dec 2020)
Tax Bill	$9,862 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631342900012340`

Property Details

APN / Parcel Number

Primary APN	`202631342900012340`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,166 sqft Heated Area
Gross Area	3,946 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Deck Area	270 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4945 OLIVIA CT
City	SAINT CLOUD
State	FL
Zip	34772-8772
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 3 PB 29 PGS 5-8 LOT 234
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES
Legal Phase	3
Legal Tract	3429
Legal Lot Number	234
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 202631342900012340

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	4945 OLIVIA CT, SAINT CLOUD, FL 34772-8772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	2020175798
Deed Book / Page	5859 / 1099
Record Updated	Jun 08, 2026

December 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 28, 2020
Property Address	4945 OLIVIA CT, SAINT CLOUD, FL 34772-8772
Document Number	0058591099
Book / Page	5859 / 1099
Map Reference	MB 29 PG 5-8
Instrument Date	Dec 22, 2020
Instrument	2020175798
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,054.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, 605, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4945 OLIVIA CT, SAINT CLOUD, FL 34772-8772

Mortgage

Document Number	0058591101
Date	Dec 28, 2020
Instrument	5859/1101

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$9,862.00 (+6.21%) Homeowner's exemption	$493,496 (+5.99%)	$525,200 (+1.45%) Land $100,000 Building $425,200
2023	$9,285.00 (+1.56%) Homeowner's exemption	$465,620 (+11.98%)	$517,700 (+24.51%) Land $95,000 Building $422,700
2022	$9,142.00	$415,800 Land $80,000 Building $335,800	$415,800 Land $80,000 Building $335,800

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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; lenders make the official flood determination.