4979 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4979 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4 Baths
Year Built	Built 2023
Square Footage	3,716 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$700,000 (2023)
Tax Bill	$11,575.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212630364500011480`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,716 sqft Heated Area
Gross Area	4,615 sqft Gross Area
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	136 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	4979 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6343
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 148
Legal Lot Number	148
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364500011480

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	4979 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Deed Doc Number	0006499230
Record Refreshed	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4979 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343
Transaction Type	Mortgage
Record Updated	Jan 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9505 49TH ST N 1-216, 1-216, PINELLAS PARK, FL 33782-5271

Mortgage

Document Number	0064990232
Date	Nov 01, 2023
Book Page	6499/232
Instrument	2023144499

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

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	$11,575.00	$553,400 Land $65,000 Building $488,400	$553,400 Land $65,000 Building $488,400

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.