4800 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4800 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,554 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$296,205 (Aug 2017)
Tax Bill	$4,783 (2025)
Deeds & Mortgages	Oct 2025 Transfer Feb 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0320`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0320`
Alternative APN	`263106023600010320`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,554 sqft Living Area
Gross Area	3,189 sqft
1st Floor Area	2,554 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4800 TERRA SOLE PL
City	SAINT CLOUD
State	FL
Zip	34771-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRA VISTA PB 23 PG 15 LOT 32
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	320
Legal Lot Number	32
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

4800 Terra Sole Pl is owned and occupied by an individual who acquired it in December 2024.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 14, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 21, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 13, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 4, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTAR FIN'L
Aug 3, 2017	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2017 · Amount on File
Deed Sale	Aug 3, 2017 · Amount on File
Deed Document Number	2017112354
Deed Book / Page	5188 / 2962
Last Transfer Date	Dec 19, 2024
Transfer Doc	0068600688
Record Updated	Jun 8, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 6, 2025
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0068600688
Book / Page	6860 / 688
Map Reference	MB 23 PG 15
Instrument Date	Dec 19, 2024
Instrument	2025123513
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0065491677
Date	Feb 14, 2024
Book Page	6549/1677
Instrument	2024019550

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Mar 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0064280400
Date	Jun 21, 2023
Book Page	6428/400
Instrument	2023080039

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	SAINT CLOUD, FL 34771

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Mar 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0062320079
Date	Jun 13, 2022
Book Page	6232/79
Instrument	2022092338

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Mar 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2019
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0056341252
Book / Page	005634 / 001252
Instrument Date	Oct 31, 2019
Instrument	157084
Transaction Type	Transfer
Record Updated	Apr 7, 2021
Title Company	GULF STREAM TITLE COMPANY, GULF STREAM TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,219.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4800 TERRA SOLE PL ST CLOUD FL 347718802, ST CLOUD, FL 34771-8802

Mortgage

Document Number	56341254
Date	Dec 4, 2019
Book Page	005634/001254
Instrument	157085

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

Mortgage

Document Number	56341266,
Date	Dec 4, 2019
Book Page	005634/001266
Instrument	157086

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2017
Property Address	4800 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0051882962
Book / Page	5188 / 2962
Map Reference	MB23 PG15
Instrument Date	Aug 2, 2017
Instrument	2017112354
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,074.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD # RD324A, 2255, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5800 TERRA SOLE PL, SAINT CLOUD, FL 34771

Mortgage

Document Number	0051882964
Date	Aug 3, 2017
Instrument	5188/2964

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4800 Terra Sole Pl was $4,783, up 3.4% from the year before.

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	$4,783.00 (+3.44%)	$310,122 (+2.9%)	$411,500 (+0.27%) Land $75,000 Building $336,500
2024	$4,624.00 (+2.53%) Homeowner's exemption	$301,382 (+3%)	$410,400 (+5.77%) Land $75,000 Building $335,400
2023	$4,510.00 (+3.44%) Homeowner's exemption	$292,604 (+3%)	$388,000 (+22.55%) Land $60,000 Building $328,000
2022	$4,360.00 Homeowner's exemption	$284,082	$316,600 Land $55,000 Building $261,600

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

Flood

FEMA maps place 4800 Terra Sole Pl in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2016.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 4800 Terra Sole Pl is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% 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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