4844 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4844 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,299 sqft · built 2016
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Aug 2023)
Tax Bill	$5,746 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0100`
Alternative APN	`263106023600010100`

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	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4844 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 10
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	100
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of May 21, 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	4844 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Feb 21, 2017	Grant Deed, Transfer · VA Mortgage MORTGAGE FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2023 · Amount on Record
Deed Sale	Aug 23, 2023 · Amount on Record
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	2023110919
Deed Book / Page	6462 / 1500
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2023
Property Address	4844 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0064621500
Book / Page	6462 / 1500
Map Reference	MB 23 PG 15
Instrument Date	Aug 16, 2023
Instrument	2023110919
Transaction Type	Transfer
Record Updated	Sep 4, 2023
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4038 WOODTHRD DRIVE, FORNEY, TX 75126

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4844 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0064621502
Date	Aug 23, 2023
Instrument	6462/1502

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4844 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058011915
Date	Sep 29, 2020
Book Page	5801/1915
Instrument	2020129896

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2017
Property Address	4844 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0051051527
Book / Page	005105 / 001527
Instrument Date	Feb 17, 2017
Instrument	28214
Transaction Type	Transfer
Record Updated	Apr 6, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,977.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4844 TERRA SOLE PL ST CLOUD FL 347718802, ST CLOUD, FL 34771-8802

Mortgage

Document Number	51051529
Date	Feb 21, 2017
Book Page	005105/001529
Instrument	28215

Lender

Name	MORTGAGE FIN
Type	Mortgage Company
Address	TAVARES, FL 32778

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 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	$5,746.00 (-12.61%)	$368,900 (+41.98%) Land $75,000 Building $293,900	$368,900 (+6.43%) Land $75,000 Building $293,900
2024	$6,575.00 (+71.67%)
2023	$3,830.00 (+3.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$259,827 (+3%)	$346,600 (+22.56%) Land $60,000 Building $286,600
2022	$3,696.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$252,260	$282,800 Land $55,000 Building $227,800

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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