4998 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4998 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 2023
Square Footage	1,556 sqft Living Area
Lot Size	2,178 sqft (0.05 acres)
Garage	Attached, 200 sqft
Tax Bill	$6,149.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-3645-0001-1560`
Alternative APN	`263021364500011560`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,556 sqft Living Area
Gross Area	1,806 sqft Gross Area
1st Floor	710 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached Garage
Garage Area	200 sqft Garage
Patio Area	80 sqft Patio
Porch Area	50 sqft Porch

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	4998 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6342
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 156
Legal Subdivision	EDEN AT CROSS PRAIRIE
Legal Lot Number	156
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-3645-0001-1560

Assessment roll updated November 26, 2025 · Last verified April 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	13124 LIBERTY SQUARE DR, ORLANDO, FL 32828-4865
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 28, 2024
Transfer Doc	0065650004
Record Refreshed	Jun 08, 2026

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 01, 2023
Property Address	4998 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6342
Document Number	0065121449
Book / Page	6512 / 1449
Map Reference	MB 33 PG 37-42
Instrument Date	Nov 20, 2023
Instrument	2023156876
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2024
Title Company	M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,282.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4998 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6342

Mortgage

Document Number	0065121451
Date	Dec 01, 2023
Book Page	6512/1451
Instrument	2023156877

Lender

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

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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	$6,324.00 (+2.85%)	$288,300 Land $44,000 Building $244,300	$288,300 Land $44,000 Building $244,300
2024	$6,149.00

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.