Osceola County property record for 4956 Olivia Ct, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,854 sqft · built 2020 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,801 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-31-3429-0001-2300 |
| Primary APN | 20-26-31-3429-0001-2300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,854 sqft Living Area |
| Gross Area | 4,762 sqft |
| 1st Floor Area | 2,182 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 644 sqft |
| Porch | Finished/Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4956 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 230 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES |
| Legal Phase | 3 |
| Legal Lot Number | 230 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 20-26-31-3429-0001-2300
Assessment roll updated November 26, 2025 · Last verified August 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 | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 30, 2021 | Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK |
| Jan 13, 2021 | Special Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 |
| Deed Sale | Nov 30, 2021 |
| Prior Sale | Jan 13, 2021 · Amount on Record |
| Deed Document Number | 2021184155 |
| Deed Book / Page | 6096 / 924 |
| Prior Transfer Date | Nov 19, 2021 |
| Prior Transfer Doc | 0060960924 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4958 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0062830551 |
|---|---|
| Date | Sep 09, 2022 |
| Book Page | 6283/551 |
| Instrument | 2022137437 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 30, 2021 |
| Property Address | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0060960924 |
| Book / Page | 6096 / 924 |
| Map Reference | MB 29 PG 5-8 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 2021184155 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | BCHH INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0006096927 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 6096/927 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 13, 2021 |
| Property Address | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0058701297 |
| Book / Page | 5870 / 1297 |
| Map Reference | MB 29 PG 5-8 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 2021005971 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,499.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 605 COMMONWEALTH AVE, 605, ORLANDO, FL 32803-5223 |
| Name | Verified Name |
|---|---|
| Address | 4956 OLIVIA CT, SAINT CLOUD, FL 34772-8772 |
| Document Number | 0058701299 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 5870/1299 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $1,801.00 (-75.87%) Homeowner's exemption Veteran's exemption | $375,444 (+5.99%) | $582,800 (+1.02%) Land $105,000 Building $477,800 |
| 2024 | $7,465.00 (+3.84%) | ||
| 2023 | $7,189.00 (+2.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $354,236 (+3%) | $576,900 (+27.32%) Land $99,800 Building $477,100 |
| 2022 | $7,007.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $343,919 | $453,100 Land $84,000 Building $369,100 |
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
| 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 100 ft |
| 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.
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