Osceola County property record for 4948 Lotta Ct, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,761 sqft · built 2021 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $469,800 (Mar 2021) |
| Tax Bill | $9,768 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202631342900012650 |
| Primary APN | 202631342900012650 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,761 sqft Heated Area |
| Gross Area | 4,724 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4948 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 265 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES |
| Legal Phase | 3 |
| Legal Tract | 3429 |
| Legal Lot Number | 265 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 202631342900012650
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 | 4948 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 08, 2021 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 08, 2021 · Amount on Record |
| Deed Sale | Mar 08, 2021 · Amount on Record |
| Deed Document Number | 2021033422 |
| Deed Book / Page | 5906 / 722 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4948 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4948 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0062460122 |
|---|---|
| Date | Jul 06, 2022 |
| Book Page | 6246/122 |
| Instrument | 2022104250 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jun 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 08, 2021 |
| Property Address | 4948 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0059060722 |
| Book / Page | 5906 / 722 |
| Map Reference | MB 29 PG 5 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 2021033422 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,288.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6750 FORUM DR STE 310, 310, ORLANDO, FL 32821-8088 |
| Name | Verified Name |
|---|---|
| Address | 4948 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0005906726 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 5906/726 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 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 | $9,768.00 (+6.28%) Homeowner's exemption | $492,886 (+5.99%) | $575,700 (+1.11%) Land $105,000 Building $470,700 |
| 2023 | $9,191.00 (+2.67%) Homeowner's exemption | $465,045 (+3%) | $569,400 (+26.11%) Land $99,800 Building $469,600 |
| 2022 | $8,952.00 Homeowner's exemption | $451,500 Land $84,000 Building $367,500 | $451,500 Land $84,000 Building $367,500 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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