Osceola County property record for 4902 Tortuga St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,126 sqft · built 2017 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $409,000 (May 2019) |
| Tax Bill | $4,665 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage Jan 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 052631087600011670 |
| Primary APN | 052631087600011670 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,126 sqft Heated Area |
| Gross Area | 3,412 sqft |
| 1st Floor Area | 2,033 sqft |
| Upper Floors Area | 624 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Porch | Enclosed Porch |
| Porch Area | 755 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4902 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 167 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 05 |
| Legal Subdivision | TURTLE CREEK |
| Legal Phase | 2 |
| Legal Tract | 876 |
| Legal Lot Number | 167 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 43600 |
Source: Osceola County records · APN 052631087600011670
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4902 TORTUGA ST, SAINT CLOUD, FL 34771-0003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 02, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC |
| Jan 17, 2018 | Loan Modification, Mortgage ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2019 · Amount on Record |
| Deed Sale | May 02, 2019 · Amount on Record |
| Prior Sale | Oct 13, 2016 · Amount on Record |
| Deed Document Number | 2019056140 |
| Deed Book / Page | 5517 / 1880 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 02, 2019 |
| Property Address | 4902 TORTUGA ST, SAINT CLOUD, FL 34771-0003 |
| Document Number | 0055171880 |
| Book / Page | 5517 / 1880 |
| Map Reference | MB 24 PG 42 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 2019056140 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | EASTERN NATL TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,863.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008 |
| Name | Verified Name |
|---|---|
| Address | 4902 TORTUGA ST, SAINT CLOUD, FL 34771-0003 |
| Document Number | 2019056141 |
|---|---|
| Date | May 02, 2019 |
| Instrument | 2019056141 |
| Name | K HOVNANIAN AMERICAN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4902 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 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,665.00 (+6.07%) Homeowner's exemption | $303,506 (+5.99%) | $402,300 (+0.17%) Land $75,000 Building $327,300 |
| 2023 | $4,398.00 (+3.46%) Homeowner's exemption | $286,363 (+3%) | $401,600 (+14.25%) Land $65,000 Building $336,600 |
| 2022 | $4,251.00 Homeowner's exemption | $278,023 | $351,500 Land $60,000 Building $291,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 148 individual NFIP policies nearby |
| 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, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,064 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 489 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: Xfinity, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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