4786 Riverwalk Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4786 Riverwalk Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,028 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$285,917 (Jul 2019)
Tax Bill	$4,128 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2019 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`062631087700010980`

Property Details

APN / Parcel Number

Primary APN	`062631087700010980`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,028 sqft Heated Area
Gross Area	2,767 sqft
1st Floor Area	2,028 sqft
Flooring	Tile
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	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	441 sqft
Porch	Open Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4786 RIVERWALK DR
City	SAINT CLOUD
State	FL
Zip	34771-7575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 3 & 4 PB 25 PGS 38-40 LOT 98
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PHS 3 4 & 5
Legal Phase	3
Legal Tract	877
Legal Lot Number	98
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
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	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jul 15, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC
Sep 6, 2018	Loan Modification, Mortgage · Line of Credit VALLEY NAT'L BK
Dec 14, 2017	Loan Modification, Mortgage HOUSING CAP
Dec 18, 2017	Quit Claim Deed, Transfer DF TITLE LLC
Nov 20, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Nov 20, 2017 · Amount on Record
Deed Document Number	2019090100
Deed Book / Page	5556 / 1046
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575

Mortgage

Document Number	0058770946
Date	Jan 26, 2021
Book Page	5877/946
Instrument	2021011196

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2019
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0055561046
Book / Page	5556 / 1046
Map Reference	MB 25 PG 38-40
Instrument Date	Jun 28, 2019
Instrument	2019090100
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,002.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 8529, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4786 RIVENVALK DRIVE, SAINT CLOUD, FL 34771-7575

Mortgage

Document Number	0055561048
Date	Jul 15, 2019
Instrument	5556/1048

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2018
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0053961024
Book / Page	005396 / 001024
Instrument Date	Aug 29, 2018
Instrument	134159
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY #100 ORANGE PARK FL 320736290, 100, ORANGE PARK, FL 32073-6290

Mortgage

Document Number	53961024
Date	Sep 6, 2018
Book Page	005396/001024
Instrument	134159

Lender

Name	VALLEY NAT'L BK
Address	4790 140TH AVE N, CLEARWATER, FL 33762-3857

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0052560120
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290

Mortgage

Document Number	0052560120
Date	Dec 18, 2017
Book Page	005256/000120
Instrument	179918

Lender

Name	HOUSING CAP
Type	Funding / Finance Company
Address	DALLAS, TX 75240

Agreement

Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2017
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0052552803
Book / Page	005255 / 002803
Instrument Date	Dec 11, 2017
Instrument	179839
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	DF TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290
Investor	Possibly a Property Investor

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2017
Property Address	4786 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0052411591
Book / Page	005241 / 001591
Instrument Date	Nov 17, 2017
Instrument	165103
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,609.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290
Investor	Possibly a Property Investor

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	$4,128.00 (+6.17%) Homeowner's exemption	$273,521 (+5.99%)	$354,700 (-0.87%) Land $75,000 Building $279,700
2023	$3,888.00 (+3.51%) Homeowner's exemption	$258,071 (+3%)	$357,800 (+12.09%) Land $65,000 Building $292,800
2022	$3,756.00 Homeowner's exemption	$250,555	$319,200 Land $60,000 Building $259,200

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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