4828 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4828 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	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$143,000 (Mar 2021)
Tax Bill	$4,788 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0180`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0180`
Alternative APN	`263106023600010180`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,554 sqft Living Area
Gross Area	3,210 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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	236 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4828 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 18
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	180
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

4828 Terra Sole Pl is owned and occupied by two individuals who bought it in March 2021.

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	2 Individual Names on File
Mailing Address	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 10, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING
Oct 31, 2017	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on File
Deed Sale	Mar 18, 2021 · Amount on File
Prior Sale	Oct 31, 2017 · Amount on File
Deed Document Number	202140661
Deed Book / Page	5915 / 1543
Prior Transfer Date	Mar 10, 2021
Prior Transfer Doc	0059151543
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2021
Property Address	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0059151543
Book / Page	5915 / 1543
Map Reference	MB 23 PG 15
Instrument Date	Mar 10, 2021
Instrument	2021040661
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	NATIONS TITLE AGENCY/MO INC, NATIONS TITLE AGCY OF FL INC

Transaction

Amount	Amount on Record
Tax	$1,001.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0059151544
Date	Mar 18, 2021
Instrument	5915/1544

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0057590763
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4828 TERRA SOLE PL ST CLOUD FL 347718802, ST CLOUD, FL 34771-8802

Mortgage

Document Number	0057590763
Date	Jul 22, 2020
Book Page	005759/000763
Instrument	95336

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2017
Property Address	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0052322235
Book / Page	5232 / 2235
Map Reference	MB23 PG15
Instrument Date	Oct 30, 2017
Instrument	2017156086
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST AMER TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,041.20
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	4828 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0052322237
Date	Oct 31, 2017
Instrument	5232/2237

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4828 Terra Sole Pl was $4,788 with a homeowner's exemption, 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	$4,788.00 (+3.43%) Homeowner's exemption	$310,411	$412,800 Land $75,000 Building $337,800
2024	$4,629.00 (+2.52%)
2023	$4,515.00 (+3.44%) Homeowner's exemption	$292,877 (+3%)	$389,400 (+22.57%) Land $60,000 Building $329,400
2022	$4,365.00 Homeowner's exemption	$284,347	$317,700 Land $55,000 Building $262,700

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

Flood

FEMA maps place 4828 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 4828 Terra Sole Pl is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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