4902 Catalpa Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4902 Catalpa Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,208 sqft · built 2017
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$358,300 (Dec 2017)
Tax Bill	$6,324 (2025)
Deeds & Mortgages	Oct 2025 Transfer Dec 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-31-5261-0001-1050`

Property Details

APN / Parcel Number

Primary APN	`17-26-31-5261-0001-1050`
Alternative APN	`263117526100011050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,208 sqft Living Area
Gross Area	3,218 sqft
1st Floor Area	2,208 sqft
Flooring	Carpet
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	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4902 CATALPA DR
City	SAINT CLOUD
State	FL
Zip	34772-7502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES PH 1 PB 24 PGS 172-178 LOT 105
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES PH 1
Legal Phase	1
Legal Tract	5261
Legal Block	1050
Legal Lot Number	105
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43301

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Company Names on Record
Mailing Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 18, 2017	Grant Deed, Transfer CLEAR TITLE/FL LLC
May 4, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2017 · Amount on Record
Deed Sale	Dec 18, 2017 · Amount on Record
Deed Document Number	2017180120
Deed Book / Page	5256 / 805
Last Transfer Date	Oct 9, 2025
Transfer Doc	0068622001
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2025
Property Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0068622001
Book / Page	6862 / 2001
Map Reference	MB 24 PG 172-178
Instrument Date	Oct 9, 2025
Instrument	2025125717
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2017
Property Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0052560805
Book / Page	005256 / 000805
Instrument Date	Nov 29, 2017
Instrument	180120
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	CLEAR TITLE/FL LLC

Transaction

Amount	Amount Recorded
Tax	$2,508.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4902 CATALPA DR ST CLOUD FL 347727502, ST CLOUD, FL 34772-7502

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2017
Property Address	4902 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0051420868
Book / Page	005142 / 000868
Instrument Date	Apr 27, 2017
Instrument	65735
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	370 CENTERPOINTE CIR #1136 ALTAMONTE SPRINGS FL 327013451, 1136, ALTAMONTE SPRINGS, FL 32701-3451

Mortgage

Document Number	51420868
Date	May 4, 2017
Book Page	005142/000868
Instrument	65735

Lender

Name	CENTENNIAL BK
Type	Bank
Address	201 E GARDEN ST, PENSACOLA, FL 32502-6038

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,324.00 (+12.97%)	$308,780 (+2.9%)	$434,600 (-6.21%) Land $85,000 Building $349,600
2024	$5,598.00 (+1.58%) Homeowner's exemption	$300,078 (+3%)	$463,400 (+8.04%) Land $85,000 Building $378,400
2023	$5,511.00 (+3.34%) Homeowner's exemption	$291,338 (+3%)	$428,900 (+26%) Land $75,000 Building $353,900
2022	$5,333.00 Homeowner's exemption	$282,853	$340,400 Land $65,000 Building $275,400

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 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon, Xfinity.

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