4809 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4809 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,299 sqft · built 2018
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$300,350 (Dec 2018)
Tax Bill	$4,309 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0350`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0350`
Alternative APN	`263106023600010350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,299 sqft Living Area
Gross Area	2,975 sqft
1st Floor Area	2,299 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4809 TERRA SOLE PL
City	SAINT CLOUD
State	FL
Zip	34771-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRA VISTA PB 23 PG 15 LOT 35
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	350
Legal Lot Number	35
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

4809 Terra Sole Pl is owned and occupied by an individual who bought it in December 2018.

Source: Osceola County records, as of July 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Feb 11, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 16, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Dec 21, 2018	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG
Dec 26, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Deed Document Number	2018187343
Deed Book / Page	5454 / 65
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2026
Property Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0000055053
Book / Page	6961 / 1240
Instrument Date	Apr 2, 2026
Instrument	202655053
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Mortgage

Document Number	0000055053,
Date	Apr 27, 2026
Book Page	6961/1240
Instrument	202655053

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Jan 1, 2052

Interest

Rate	6%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Mortgage

Document Number	0061482494
Date	Feb 11, 2022
Book Page	6148/2494
Instrument	2022023384

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056921613
Date	Mar 16, 2020
Book Page	5692/1613
Instrument	2020037309

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0054540067
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4809 TERRA SOLE PL ST CLOUD FL 347718804, ST CLOUD, FL 34771-8804

Mortgage

Document Number	0054540067
Date	Dec 26, 2018
Book Page	005454/000067
Instrument	187344

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 26, 2018
Property Address	4809 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0054540065
Book / Page	005454 / 000065
Instrument Date	Dec 21, 2018
Instrument	187343
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2,102.45
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4809 TERRA SOLE PL ST CLOUD FL 347718804, ST CLOUD, FL 34771-8804

Tax Assessment & Valuation

The 2025 property tax bill for 4809 Terra Sole Pl was $4,309 with a homeowner's exemption, up 3.5% 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	$4,309.00 (+3.46%) Homeowner's exemption	$283,669	$376,100 Land $75,000 Building $301,100
2024	$4,165.00 (+2.56%)
2023	$4,061.00 (+3.52%) Homeowner's exemption	$267,646 (+3%)	$353,200 (+22.55%) Land $60,000 Building $293,200
2022	$3,923.00 Homeowner's exemption	$259,851	$288,200 Land $55,000 Building $233,200

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

Flood

FEMA maps place 4809 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 4809 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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