4904 Catalpa Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4904 Catalpa Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,863 sqft · built 2017
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Apr 2020)
Tax Bill	$8,591 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172631526100011040`

Property Details

APN / Parcel Number

Primary APN	`172631526100011040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,863 sqft Heated Area
Gross Area	2,920 sqft
1st Floor Area	1,863 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	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	573 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4904 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 104
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES
Legal Phase	1
Legal Tract	5261
Legal Lot Number	104
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 December 11, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	2360 RED CEDAR TRL, PROSPER, TX 75078-2871
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA
Dec 22, 2017	Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
May 4, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Prior Sale	Dec 22, 2017 · Amount on Record
Deed Document Number	2020055876
Deed Book / Page	5712 / 1913
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2020
Property Address	4904 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0057121913
Book / Page	005712 / 001913
Instrument Date	Apr 20, 2020
Instrument	55876
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1031 PARK WEST DR CHARLOTTE NC 282091398, CHARLOTTE, NC 28209-1398

Mortgage

Document Number	57121915
Date	Apr 23, 2020
Book Page	005712/001915
Instrument	55877

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 22, 2017
Property Address	4904 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0052581496
Book / Page	5258 / 1496
Map Reference	MB24 PG172-178
Instrument Date	Nov 30, 2017
Instrument	2017182246
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	370 CENTERPOINTE CIR STE 1136, 370, ALTAMONTE SPRINGS, FL 32701-3451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 CATALPA DR, SAINT CLOUD, FL 34772-7502

Mortgage

Document Number	2017182247
Date	Dec 22, 2017
Instrument	2017182247

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2017
Property Address	4904 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 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	$8,591.00 (+24.78%)	$392,300 (+1.61%) Land $85,000 Building $307,300	$392,300 (+1.61%) Land $85,000 Building $307,300
2023	$6,885.00 (+12.13%)	$386,100 (+25.77%) Land $75,000 Building $311,100	$386,100 (+25.77%) Land $75,000 Building $311,100
2022	$6,140.00	$307,000 Land $65,000 Building $242,000	$307,000 Land $65,000 Building $242,000

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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