4990 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4990 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	1,762 sqft Heated Area
Lot Size	3,049 sqft (0.069 acres)
Occupancy	Owner Occupied
Last Sale	$351,180 (2023)
Tax Bill	$5,880.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212630364500011540`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,762 sqft Heated Area
Gross Area	1,986 sqft Gross Area
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	3,049 sqft (0.069 acres)
Garage Type	Finished Garage
Patio Area	80 sqft Patio
Porch	Open Porch
Porch Area	24 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	4990 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6342
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 154
Legal Lot Number	154
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630364500011540

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	4990 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6342
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 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Deed Doc Number	2023142583
Deed Book / Page	6497 / 782
Record Refreshed	Jun 08, 2026

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 30, 2023
Property Address	4990 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6342
Document Number	0064970782
Book / Page	6497 / 782
Map Reference	MB 33 PG 37
Instrument Date	Oct 27, 2023
Instrument	2023142583
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2024
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,458.40
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY, LAKE MARY, FL 32746-5061

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4990 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6342

Mortgage

Document Number	0006497784
Date	Oct 30, 2023
Instrument	6497/784

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 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	$5,880.00 Homeowner's exemption	$306,539	$307,700 Land $44,000 Building $263,700

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 86% of the US · above 79% of Florida
Wildfire Likelihood	About 1 in 158 per year
Exposure	Direct burnable vegetation at the parcel

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