4903 Catalpa Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4903 Catalpa Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,208 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Mar 2023)
Tax Bill	$7,632 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172631526100011070`

Property Details

APN / Parcel Number

Primary APN	`172631526100011070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,208 sqft Heated Area
Gross Area	3,218 sqft
1st Floor Area	2,208 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4903 CATALPA DR
City	SAINT CLOUD
State	FL
Zip	34772-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES PH 1 PB 24 PGS 172-178 LOT 107
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES
Legal Phase	1
Legal Tract	5261
Legal Lot Number	107
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1066
Census Tract	43301

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	4903 CATALPA DR, SAINT CLOUD, FL 34772-7503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Mar 13, 2023	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 6, 2017	Grant Deed, Transfer CLEAR TITLE/FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	0063702448
Deed Book / Page	6370 / 2448
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4903 CATALPA DR, SAINT CLOUD, FL 34772-7503
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	NOT AVAILABLE, BB&T

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CARALPA DR, SAINT CLOUD, FL 34772-7503

Mortgage

Document Number	0065620703
Date	Mar 8, 2024
Book Page	6562/703
Instrument	2024030594

Lender

Name	TRUIST BANK
Type	Bank
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 23, 2054

Interest

Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2023
Property Address	4903 CATALPA DR, SAINT CLOUD, FL 34772-7503
Document Number	0063702448
Book / Page	6370 / 2448
Map Reference	MB 24 PG 172-178
Instrument Date	Mar 13, 2023
Instrument	2023029134
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE SERVICES LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2459 PROMENADE DR, SAINT CLOUD, FL 34772-8859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 CATALPA DR, SAINT CLOUD, FL 34772-7503

Mortgage

Document Number	0063702450
Date	Mar 13, 2023
Instrument	6370/2450

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2017
Property Address	4903 CATALPA DR, SAINT CLOUD, FL 34772-7503
Document Number	0051751919
Book / Page	005175 / 001919
Instrument Date	Jun 29, 2017
Instrument	98715
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	CLEAR TITLE/FL LLC

Transaction

Amount	Amount Recorded
Tax	$2,426.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4903 CATALPA DR ST CLOUD FL 347727503, ST CLOUD, FL 34772-7503

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$7,632.00 (+38.49%) Homeowner's exemption	$381,806 (+31.05%)	$434,600 (+1.33%) Land $85,000 Building $349,600
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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