4961 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4961 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Architecture Style	Conventional
Year Built	Built 2023
Square Footage	1,888 sqft Living Area
Lot Size	5,662 sqft (0.13 acres)
Garage	Attached, 441 sqft
Tax Bill	$8,464.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3644-0001-3360`
Alternative APN	`263021364400013360`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,888 sqft Living Area
Gross Area	2,579 sqft Gross Area
1st Floor	1,888 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached Garage
Garage Area	441 sqft Garage
Porch Area	250 sqft Porch

Utilities and HVAC

Heating System	HVAC Heating

Location & Zoning

Street Address	4961 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6313
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HAVENFIELD AT CROSS PRAIRIE PB 33 PGS 6-10 LOT 336
Legal Subdivision	HAVENFIELD AT CROSS PRAIRIE
Legal Lot Number	336
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3644-0001-3360

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	Individual Name on File
Mailing Address	3255 EDSEL AVE, SAINT CLOUD, FL 34772-8139
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2023
Property Address	4961 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6313
Document Number	0064910104
Book / Page	6491 / 104
Map Reference	MB 33 PG 6-10
Instrument Date	Oct 11, 2023
Instrument	2023136641
Transaction Type	Transfer
Record Updated	Jan 26, 2024
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,867.20
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD #250250, 250250, PORTSMOUTH, VA 23701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3255 EDSEL AVE, SAINT CLOUD, FL 34772-8139

Mortgage

Document Number	0006491106
Date	Oct 17, 2023
Instrument	6491/106

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Nov 01, 2030
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	12.7%
Margin	4
Max Rate	12.7%

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	$8,464.00	$379,600 Land $65,000 Building $314,600	$379,600 Land $65,000 Building $314,600

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	High above 82% of the US · above 73% of Florida
Wildfire Likelihood	About 1 in 168 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.