4856 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4856 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,285 sqft · built 2015
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2023)
Tax Bill	$4,968 (2025)
Deeds & Mortgages	Mar 2026 Transfer Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-0236-0001-0040`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-0236-0001-0040`
Alternative APN	`263106023600010040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,285 sqft Living Area
Gross Area	3,062 sqft
1st Floor Area	2,285 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
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	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4856 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 4
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	40
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

4856 Terra Sole Pl is owned and occupied by two individuals who acquired it in February 2026.

Source: Osceola County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 12, 2023	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Jul 17, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 17, 2019	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2023 · Amount on File
Deed Sale	Oct 12, 2023 · Amount on File
Prior Sale	Sep 3, 2015 · Amount on File
Deed Document Number	2023134301
Deed Book / Page	6488 / 1435
Last Transfer Date	Feb 24, 2026
Transfer Doc	0069300065
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2026
Property Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0069300065
Book / Page	6930 / 65
Map Reference	MB 23 PG 15
Instrument Date	Feb 24, 2026
Instrument	2026027428
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2023
Property Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0064881435
Book / Page	6488 / 1435
Map Reference	MB 23 PG 15
Instrument Date	Oct 6, 2023
Instrument	2023134301
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11929 PIONEERS WAY APT 1121, 1121, ORLANDO, FL 32832-2860

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0055882296
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4856 TERRA SOLE PL ST CLOUD FL 347718802, ST CLOUD, FL 34771-8802

Mortgage

Document Number	0055882296
Date	Sep 13, 2019
Book Page	005588/002296
Instrument	118086

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2049

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4856 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0055882289
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4856 TERRA SOLE PL ST CLOUD FL 347718802, ST CLOUD, FL 34771-8802

Mortgage

Document Number	0055882289
Date	Sep 13, 2019
Book Page	005588/002289
Instrument	118085

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 4856 Terra Sole Pl was $4,968.

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	$4,968.00	$320,456	$369,900 Land $75,000 Building $294,900
2023	$3,950.00 (+3.51%) Homeowner's exemption	$261,514 (+3%)	$347,600 (+22.61%) Land $60,000 Building $287,600
2022	$3,816.00 Homeowner's exemption	$253,898	$283,500 Land $55,000 Building $228,500

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

Flood

FEMA maps place 4856 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 4856 Terra Sole Pl is low, with a 0.03% annual chance of 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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