Osceola County property record for 4785 Riverwalk Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,061 sqft · built 2019 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $313,500 (May 2019) |
| Tax Bill | $4,348 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage Jan 2018 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 062631087800012620 |
| Primary APN | 062631087800012620 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,061 sqft Heated Area |
| Gross Area | 2,678 sqft |
| 1st Floor Area | 2,061 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4785 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 262 |
| 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 | 262 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43600 |
Source: Osceola County records · APN 062631087800012620
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 |
|---|---|
| Mailing Address | 4785 RIVERWALK DR, SAINT CLOUD, FL 34771-7577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 01, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC |
| Jan 30, 2018 | Loan Modification, Mortgage · Line of Credit WILMINGTON TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 01, 2019 · Amount on Record |
| Deed Sale | May 01, 2019 · Amount on Record |
| Deed Document Number | 2019055920 |
| Deed Book / Page | 5517 / 1098 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 01, 2019 |
| Property Address | 4785 RIVERWALK DR, SAINT CLOUD, FL 34771-7577 |
| Document Number | 0055171098 |
| Book / Page | 5517 / 1098 |
| Map Reference | MB 25 PG 106 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 2019055920 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | EASTERN NATL TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,194.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008 |
| Name | Verified Name |
|---|---|
| Address | 4785 RIVERWALK DR, SAINT CLOUD, FL 34771-7577 |
| Document Number | 2019055921 |
|---|---|
| Date | May 01, 2019 |
| Instrument | 2019055921 |
| Name | K HOVNANIAN AMERICAN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 30, 2018 |
| Property Address | 4785 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139 |
| Document Number | 52771344 |
|---|---|
| Date | Jan 30, 2018 |
| Book Page | 005277/001344 |
| Instrument | 15966 |
| Name | WILMINGTON TR |
|---|---|
| Address | 1100 N MARKET ST RODNEY SQ N, WILMINGTON, DE 19890 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 29, 2023 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,348.00 (+6.1%) Homeowner's exemption | $285,835 (+5.99%) | $359,900 (-0.69%) Land $78,800 Building $281,100 |
| 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 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon, Xfinity.
Based on FCC filings for 489 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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