Osceola County property record for 4820 Riverwalk Dr, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 4 bd · 3 ba · 1,928 sqft · built 2017 |
| Lot Size | 0.089 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Jan 2022) |
| Tax Bill | $4,593 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 147705 |
| Primary APN | 147705 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,928 sqft Heated Area |
| Gross Area | 2,324 sqft |
| 1st Floor Area | 947 sqft |
| Upper Floors Area | 981 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.089 acres) |
| Lot Dimensions | 120 ft deep x 33 ft wide |
| Garage Type | Finished |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 147705 |
|---|---|
| Street Address | 4820 RIVERWALK DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7555 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SPUD |
| Legal Description | TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 200 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 31 |
| Legal Subdivision | TURTLE CREEK TOWNHOMES |
| Legal Phase | 1A |
| Legal Tract | 840 |
| Legal Block | 1 |
| Legal Lot Number | 200 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43600 |
Source: Osceola County records · APN 147705
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4820 RIVERWALK DR, SAINT CLOUD, FL 34771-7555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 03, 2022 | Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Jul 31, 2017 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 03, 2022 · Amount on Record |
| Deed Sale | Jan 03, 2022 · Amount on Record |
| Prior Sale | Jul 31, 2017 · Amount on Record |
| Deed Document Number | 2022000208 |
| Deed Book / Page | 6120 / 1131 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 03, 2022 |
| Property Address | 4820 RIVERWALK DR, SAINT CLOUD, FL 34771-7555 |
| Document Number | 0061201131 |
| Book / Page | 6120 / 1131 |
| Map Reference | MB 19 PG 22-25 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 2022000208 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | EQUITABLE TITLE/W ORLANDO LLC, EQUITABLE TTL OF WEST ORLAND |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2331 SWEETWATER BLVD, SAINT CLOUD, FL 34772-8605 |
| Name | Verified Name |
|---|---|
| Address | 48250 RIVERWALK DR, SAINT CLOUD, FL 34771 |
| Document Number | 0061201133 |
|---|---|
| Date | Jan 03, 2022 |
| Instrument | 6120/1133 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2017 |
| Property Address | 4820 RIVERWALK DR, SAINT CLOUD, FL 34771-7555 |
| Document Number | 0051861416 |
| Book / Page | 5186 / 1416 |
| Map Reference | MB19 PG22-25 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 2017110007 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,589.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 4820 RIVERWALK DR, SAINT CLOUD, FL 34771-7555 |
| Document Number | 0051861420 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 5186/1420 |
| Instrument | 2017110010 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,593.00 (-2.67%) Homeowner's exemption | $299,500 (-1.55%) Land $40,000 Building $259,500 | $299,500 (-1.55%) Land $40,000 Building $259,500 |
| 2023 | $4,719.00 (+7.62%) Homeowner's exemption | $304,200 (+25.13%) Land $14,900 Building $289,300 | $304,200 (+25.13%) Land $14,900 Building $289,300 |
| 2022 | $4,385.00 | $243,100 Land $14,900 Building $228,200 | $243,100 Land $14,900 Building $228,200 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 100 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures