4839 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4839 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,138 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Jul 2026)
Tax Bill	$6,279 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0490`
Alternative APN	`263106023600010490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,138 sqft Living Area
Gross Area	3,062 sqft
1st Floor Area	2,138 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
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	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	338 sqft
Porch	Finished/Open Porch
Porch Area	336 sqft
Deck Area	662 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4839 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 49
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	490
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43600

Owner

Source: Osceola County records, as of August 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage LEGACY MORTGAGE
Dec 3, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Mar 8, 2017	Special Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Oct 11, 2023 · Amount on Record
Deed Document Number	202699595
Deed Book / Page	7012 / 86
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2026
Property Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0000099595
Book / Page	7012 / 86
Instrument Date	Jul 28, 2026
Instrument	202699595
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	FIRST SERVICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099596,
Date	Jul 30, 2026
Instrument	202699596

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2023
Property Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0064880426
Book / Page	6488 / 426
Map Reference	MB 23 PG 15
Instrument Date	Oct 3, 2023
Instrument	2023134027
Transaction Type	Transfer
Record Updated	Oct 27, 2023
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Mortgage

Document Number	0006488428
Date	Oct 11, 2023
Instrument	6488/428

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 3, 2020
Property Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0058432557
Book / Page	005843 / 002557
Instrument Date	Nov 30, 2020
Instrument	164069
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4839 TERRA SOLE PL ST CLOUD FL 347718804, ST CLOUD, FL 34771-8804

Mortgage

Document Number	58432559
Date	Dec 3, 2020
Book Page	005843/002559
Instrument	164070

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 8, 2017
Property Address	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804
Document Number	0051132856
Book / Page	5113 / 2856
Map Reference	MB23 PG15
Instrument Date	Mar 7, 2017
Instrument	2017036853
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,058.00
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	4839 TERRA SOLE PL, SAINT CLOUD, FL 34771-8804

Mortgage

Document Number	0051132858
Date	Mar 8, 2017
Instrument	5113/2858

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

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	$6,279.00 (+0.11%)	$393,700 (+6.49%) Land $75,000 Building $318,700	$393,700 (+6.49%) Land $75,000 Building $318,700
2024	$6,272.00 (+0.08%)
2023	$6,267.00 (+13.06%)	$369,700 (+20.27%) Land $60,000 Building $309,700	$369,700 (+20.27%) Land $60,000 Building $309,700
2022	$5,543.00	$307,400 Land $55,000 Building $252,400	$307,400 Land $55,000 Building $252,400

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 Zone	Zone X minimal risk
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	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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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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