4903 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4903 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,185 sqft · built 2009
Lot Size	0.094 acres (4,095 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2021)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`143819`

Property Details

APN / Parcel Number

Primary APN	`143819`
Alternative APN	`312531084000011460`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,185 sqft Heated Area
Gross Area	1,917 sqft
1st Floor Area	1,185 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,095 sqft (0.094 acres)
Garage Type	Finished
Garage Area	394 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	338 sqft
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	143819
Street Address	4903 TERRAPIN BLVD
City	SAINT CLOUD
State	FL
Zip	34771-7503
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 146
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK TOWNHOMES
Legal Phase	1A
Legal Tract	840
Legal Block	1
Legal Lot Number	146
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2017
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
Mailing Address	4903 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 19, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Jun 25, 2010 · Amount on Record
Deed Document Number	2021162512
Deed Book / Page	6068 / 580
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2021
Property Address	4903 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0060680580
Book / Page	6068 / 580
Map Reference	MB 19 PG 22-25
Instrument Date	Oct 6, 2021
Instrument	2021162512
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	THE TITLE & ESCROW FIRM LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 SAGO PALM WAY, 901, APOLLO BEACH, FL 33572-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503

Mortgage

Document Number	6068582
Date	Oct 19, 2021
Instrument	6068/582

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4903 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052872086
Date	Feb 19, 2018
Book Page	5287/2086
Instrument	2018027615

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$1,593.00 (+7.49%) Homeowner's exemption	$131,891 (+5.99%)	$215,600 (+2.13%) Land $40,000 Building $175,600
2023	$1,482.00 (+4.51%) Homeowner's exemption	$124,441 (+3%)	$211,100 (+24.32%) Land $14,900 Building $196,200
2022	$1,418.00 Homeowner's exemption	$120,817	$169,800 Land $14,900 Building $154,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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