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4810 Riverwalk Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4810 Riverwalk Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,852 sqft · built 2017
Lot Size0.069 acres (3,005 sqft)
Owner2 Individual Names on Record
Last Sale$240,500 (Sep 2021)
Tax Bill$5,115 (2025)
Deeds & MortgagesOct 2025 Transfer
Oct 2025 Transfer
+ 2 more
Flood ZoneZone AE (high risk)
APN31-25-31-0840-0001-2050

Property Details

APN / Parcel Number

Primary APN31-25-31-0840-0001-2050
Alternative APNs
  • 253131084000012050
  • 147710

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,852 sqft Living Area
Gross Area2,242 sqft
1st Floor Area926 sqft
Upper Floors Area926 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area3,005 sqft (0.069 acres)
Lot Dimensions120 ft deep x 25 ft wide
Garage TypeAttached
Garage Area294 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area96 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4810 RIVERWALK DR
CitySAINT CLOUD
StateFL
Zip34771-7555
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionTURTLE CREEK PH 1A PB 19 PG 22-25 LOT 205
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1A
Legal Phase1A
Legal Tract840
Legal Block2050
Legal Lot Number205
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2024
Census Tract43600

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2025Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 20, 2025Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Sep 1, 2021Warranty Deed, Transfer · Conventional Mortgage
FAIRWINDS CU
Jun 7, 2017Grant Deed, Subdivision Related Transfer
DHI TITLE/FL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 1, 2021 · Amount on Record
Deed SaleSep 1, 2021 · Amount on Record
Prior SaleJun 7, 2017 · Amount on Record
Deed Document Number2021135712
Deed Book / Page6034 / 1087
Last Transfer DateOct 17, 2025
Transfer Doc0068672101
Record UpdatedSep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 20, 2025
Property Address4810 RIVERWALK DR, SAINT CLOUD, FL 34771-7555
Document Number0068672103
Book / Page6867 / 2103
Map ReferenceMB 19 PG 22
Instrument DateOct 17, 2025
Instrument2025129996
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 20, 2025
Property Address4810 RIVERWALK DR, SAINT CLOUD, FL 34771-7555
Document Number0068672101
Book / Page6867 / 2101
Map ReferenceMB 19 PG 22
Instrument DateOct 17, 2025
Instrument2025129995
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2963 N NARCOOSSEE RD, SAINT CLOUD, FL 34771-8770

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 1, 2021
Property Address4810 RIVERWALK DR, SAINT CLOUD, FL 34771-7555
Document Number0060341087
Book / Page6034 / 1087
Map ReferenceMB 19 PG 22-25
Instrument DateAug 31, 2021
Instrument2021135712
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyROSCOMMON COUNTY TITLE INSURANCE AGENCY, ROSEMONT TITLE INS AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,683.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5562 SABAL DR, SAINT CLOUD, FL 34771-7642

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address11833 PROLOGUE AVE, ORLANDO, FL 32832-5140

Mortgage

Document Number0060341089
DateSep 1, 2021
Instrument6034/1089
Lender
NameFAIRWINDS CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2051

June 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJun 7, 2017
Property Address4810 RIVERWALK DR, SAINT CLOUD, FL 34771-7555
Document Number0051600765
Book / Page005160 / 000765
Instrument DateMay 31, 2017
Instrument83053
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 17, 2017
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
Tax$1,329.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4810 RIVERWALK DR ST CLOUD FL 34771, ST CLOUD, FL 34771

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,115.00 (+1.35%)$285,600 (-1.62%) Land $40,000 Building $245,600$285,600 (-1.62%) Land $40,000 Building $245,600
2024$5,047.00 (+5.87%)$290,300 (+0.55%) Land $40,000 Building $250,300$290,300 (+0.55%) Land $40,000 Building $250,300
2023$4,767.00 (+14.51%)$288,700 (+25.09%) Land $14,900 Building $273,800$288,700 (+25.09%) Land $14,900 Building $273,800
2022$4,163.00$230,800 Land $14,900 Building $215,900$230,800 Land $14,900 Building $215,900

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 148 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 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 RiskModerate
above 58% of the US · lower than 69% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 100 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 35

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