4900 Tortuga St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4900 Tortuga St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,900 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Mar 2021)
Tax Bill	$6,898 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`052631087600011660`

Property Details

APN / Parcel Number

Primary APN	`052631087600011660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,900 sqft Heated Area
Gross Area	3,659 sqft
1st Floor Area	1,301 sqft
Upper Floors Area	1,599 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	560 sqft
Porch	Open Porch
Porch Area	199 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4900 TORTUGA ST
City	SAINT CLOUD
State	FL
Zip	34771-0003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 2 PB 24 PG 42-44 LOT 166
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	TURTLE CREEK
Legal Phase	2
Legal Tract	876
Legal Lot Number	166
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2016
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jul 22, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jun 18, 2019	Loan Modification, Mortgage · Line of Credit WILMINGTON TR
Jan 17, 2018	Loan Modification, Mortgage ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	2021039774
Deed Book / Page	5914 / 717
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 17, 2021
Property Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number	0059140717
Book / Page	5914 / 717
Map Reference	MB 24 PG 42-44
Instrument Date	Mar 12, 2021
Instrument	2021039774
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10000 DAVIS CREEK CIR APT 3321, 10000, ORLANDO, FL 32832-6448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26471 BONITA FAIRWAYS BLVD, BONITA SPRINGS, FL 34135-7542

Mortgage

Document Number	0005914719
Date	Mar 17, 2021
Instrument	5914/719

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

July 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 22, 2019
Property Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number	0055592985
Book / Page	5559 / 2985
Map Reference	MB 24 PG 42
Instrument Date	Jul 10, 2019
Instrument	2019093575
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	EASTERN NATL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,258.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003

Mortgage

Document Number	0055592987
Date	Jul 22, 2019
Instrument	5559/2987

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2019
Property Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number	0055430603
Book / Page	005543 / 000603
Instrument Date	May 20, 2019
Instrument	78528
Transaction Type	Mortgage
Record Updated	Jul 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number	55430603
Date	Jun 18, 2019
Book Page	005543/000603
Instrument	78528

Lender

Name	WILMINGTON TR
Address	1100 N MARKET ST, WILMINGTON, DE 19890-1100

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4900 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number	0052771357
Book / Page	005277 / 001357
Instrument Date	Jan 17, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,898.00 (+5.83%) Homeowner's exemption	$428,260 (+5.99%)	$437,400 (-2.65%) Land $75,000 Building $362,400
2023	$6,518.00 (+3.3%) Homeowner's exemption	$404,069 (+3%)	$449,300 (+14.53%) Land $65,000 Building $384,300
2022	$6,310.00 Homeowner's exemption	$392,300 Land $60,000 Building $332,300	$392,300 Land $60,000 Building $332,300

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% 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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