Osceola County property record for 4904 Terrapin Blvd, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,870 sqft · built 2007 |
| Lot Size | 0.076 acres (3,311 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $247,500 (Nov 2020) |
| Tax Bill | $2,688 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 143827 |
| Primary APN | 143827 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,870 sqft Heated Area |
| Gross Area | 2,362 sqft |
| 1st Floor Area | 725 sqft |
| Upper Floors Area | 725 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,311 sqft (0.076 acres) |
| Lot Dimensions | 130 ft deep x 25 ft wide |
| Garage Type | Detached - Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 72 sqft |
| Patio Area | 144 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 143827 |
|---|---|
| Street Address | 4904 TERRAPIN BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7500 |
| 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 154 |
| 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 | 154 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43600 |
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 | 4904 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage MCCOY FCU |
| May 21, 2019 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Prior Sale | May 21, 2019 · Amount on Record |
| Deed Document Number | 2020150223 |
| Deed Book / Page | 5826 / 1227 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 4, 2020 |
| Property Address | 4904 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500 |
| Document Number | 0058261227 |
| Book / Page | 5826 / 1227 |
| Map Reference | MB 19 PG 22-25 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 2020150223 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | OAK HARBOR TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,732.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1224 LAKE LOOP, 1224, WINTER HAVEN, FL 33880-1175 |
| Name | Verified Name |
|---|---|
| Address | 4904 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500 |
| Document Number | 0058261229 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 5826/1229 |
| Name | MCCOY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Dec 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 21, 2019 |
| Property Address | 4904 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500 |
| Document Number | 0055271732 |
| Book / Page | 5527 / 1732 |
| Map Reference | MB 19 PG 22 |
| Instrument Date | May 20, 2019 |
| Instrument | 2019065317 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3074 DURBIN RD, 3074, SAINT CLOUD, FL 34771 |
| Name | Verified Name |
|---|---|
| Address | 4904 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500 |
| Document Number | 0055271733 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 5527/1733 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,688.00 (+6.62%) Homeowner's exemption | $193,060 (+5.99%) | $245,700 (+0.45%) Land $40,000 Building $205,700 |
| 2023 | $2,521.00 (+3.87%) Homeowner's exemption | $182,156 (+3%) | $244,600 (+24.23%) Land $14,900 Building $229,700 |
| 2022 | $2,427.00 Homeowner's exemption | $176,851 | $196,900 Land $14,900 Building $182,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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