4788 Riverwalk Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4788 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	2 Company Names on Record
Last Sale	$430,000 (May 2024)
Tax Bill	$6,580 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2021 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`06-26-31-0877-0001-0970`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0877-0001-0970`
Alternative APN	`263106087700010970`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,028 sqft Living Area
Gross Area	2,767 sqft
1st Floor Area	2,028 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	458 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4788 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 97
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	PRESERVE AT TURTLE CREEK PH 3 & 4
Legal Phase	3
Legal Tract	877
Legal Block	970
Legal Lot Number	97
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 February 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4621 RUMMELL RD, SAINT CLOUD, FL 34771-1709
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
May 17, 2024	Warranty Deed, Transfer GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO
Sep 12, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC
Feb 15, 2018	Quit Claim Deed, Construction Loan · Line of Credit VALLEY NAT'L BK
Dec 12, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2024 · Amount on Record
Deed Sale	May 17, 2024 · Amount on Record
Prior Sale	Sep 12, 2019 · Amount on Record
Deed Document Number	202465062
Deed Book / Page	6601 / 2913
Last Transfer Date	Jan 22, 2026
Transfer Doc	0069121458
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 23, 2026
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0069121458
Book / Page	6912 / 1458
Map Reference	MB 25 PG 38-40
Instrument Date	Jan 22, 2026
Instrument	2026010613
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4621 RUMMELL RD, SAINT CLOUD, FL 34771-1709

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4621 RUMMELL RD, SAINT CLOUD, FL 34771-1709

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575

Mortgage

Document Number	0060461837
Date	Sep 20, 2021
Book Page	6046/1837
Instrument	2021145076

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2024
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0066012913
Book / Page	6601 / 2913
Map Reference	MB 25 PG 38-40
Instrument Date	May 16, 2024
Instrument	2024065062
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO

Transaction

Amount	Amount Recorded
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3768 KNOTTY PINE ST, SAINT CLOUD, FL 34772-6338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4621 RUMMELL RD, SAINT CLOUD, FL 34771-1709

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 12, 2019
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0055880860
Book / Page	5588 / 0860
Map Reference	MB 25 PG 38-40
Instrument Date	Aug 30, 2019
Instrument	2019117675
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	$2,017.40
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	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575

Mortgage

Document Number	0005588862
Date	Sep 12, 2019
Instrument	5588/862

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

February 2018: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2018
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0052860187
Book / Page	005286 / 000187
Instrument Date	Feb 9, 2018
Instrument	25852
Transaction Type	Construction Loan
Record Updated	Mar 20, 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

Mortgage

Document Number	52860579
Date	Feb 15, 2018
Book Page	005286/000579
Instrument	26016

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2017
Property Address	4788 RIVERWALK DR, SAINT CLOUD, FL 34771-7575
Document Number	0052520548
Book / Page	005252 / 000548
Instrument Date	Dec 11, 2017
Instrument	176092
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,609.20
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 November 26, 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	$6,580.00 (+138.49%)	$367,400 (+92.16%) Land $75,000 Building $292,400	$367,400 (-0.97%) Land $75,000 Building $292,400
2024	$2,759.00 (+2.79%)
2023	$2,684.00 (+3.79%) Homeowner's exemption	$191,191 (+3%)	$371,000 (+12.08%) Land $65,000 Building $306,000
2022	$2,586.00 Homeowner's exemption	$185,623	$331,000 Land $60,000 Building $271,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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