4781 Riverwalk Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4781 Riverwalk Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,186 sqft · built 2019
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$306,710 (Feb 2019)
Tax Bill	$5,241 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2021 Mortgage + 6 more
Flood Zone	Zone AE (high risk)
APN	`062631087800012600`

Property Details

APN / Parcel Number

Primary APN	`062631087800012600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,186 sqft Heated Area
Gross Area	2,988 sqft
1st Floor Area	2,061 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	441 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Finished/Screened Porch
Porch Area	176 sqft
Deck Area	1,030 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4781 RIVERWALK DR
City	SAINT CLOUD
State	FL
Zip	34771-7577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 5 PB 25 PG 106 LOT 260
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase	5
Legal Tract	878
Legal Lot Number	260
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage MCCOY FCU
May 21, 2024	Deed of Trust, Mortgage MCCOY FCU
Mar 21, 2025	Deed of Trust, Mortgage · Line of Credit CORNING FCU
Feb 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 20, 2019	Special Warranty Deed, Transfer · FHA Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jan 30, 2018	Loan Modification, Mortgage · Line of Credit WILMINGTON TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on Record
Deed Sale	Feb 20, 2019 · Amount on Record
Deed Document Number	2019021921
Deed Book / Page	5479 / 2798
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577

Mortgage

Document Number	0058850623
Date	Feb 4, 2021
Book Page	5885/623
Instrument	2021016736

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Apr 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577

Mortgage

Document Number	0060822027
Date	Nov 8, 2021
Book Page	6082/2027
Instrument	2021173958

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577

Mortgage

Document Number	0062132417
Date	May 13, 2022
Book Page	6213/2417
Instrument	2022076235

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32859

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577

Mortgage

Document Number	0066032613
Date	May 21, 2024
Book Page	6603/2613
Instrument	2024066887

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 16, 2044

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067582614
Date	Mar 21, 2025
Book Page	6758/2614
Instrument	2025036391

Lender

Name	CORNING FCU
Type	Credit Union
Address	CORNING, NY 14830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	96 Months
Due	Mar 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056822038
Date	Feb 28, 2020
Book Page	5682/2038
Instrument	2020029299

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Apr 1, 2049

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2019
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Document Number	0054792798
Book / Page	5479 / 2798
Map Reference	MB 25 PG 106
Instrument Date	Feb 19, 2019
Instrument	2019021921
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EASTERN NATL TITLE AGENCY LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,147.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577

Mortgage

Document Number	2019021922
Date	Feb 20, 2019
Instrument	2019021922

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2018
Property Address	4781 RIVERWALK DR, SAINT CLOUD, FL 34771-7577
Document Number	0052771344
Book / Page	005277 / 001344
Instrument Date	Jan 17, 2018
Instrument	15966
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

Mortgage

Document Number	52771344
Date	Jan 30, 2018
Book Page	005277/001344
Instrument	15966

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST RODNEY SQ N, WILMINGTON, DE 19890

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 29, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,241.00 (+27.89%) Homeowner's exemption	$335,704 (+24.48%)	$421,900 (+16.42%) Land $78,800 Building $343,100
2023	$4,098.00 (+3.51%) Homeowner's exemption	$269,690 (+3%)	$362,400 (+12.02%) Land $68,200 Building $294,200
2022	$3,959.00 Homeowner's exemption	$261,835	$323,500 Land $63,000 Building $260,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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