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4904 Tortuga St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4904 Tortuga St, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2019
Square Footage2,061 sqft Heated Area
Lot Size6,098 sqft (0.139 acres)
OccupancyOwner Occupied
Last Sale$352,614 (2019)
Tax Bill$4,228.00 (2025)

Property Details

APN / Parcel Number

Primary APN052631087600011680

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,061 sqft Heated Area
Gross Area2,926 sqft Gross Area
1st Floor2,061 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished Garage
Garage Area441 sqft Garage
PorchOpen Porch
Porch Area424 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4904 TORTUGA ST
CitySAINT CLOUD
StateFL
Zip34771-0003
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPRESERVE AT TURTLE CREEK PH 2 PB 24 PG 42-44 LOT 168
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionTURTLE CREEK
Legal Phase2
Legal Tract876
Legal Lot Number168
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2016
Census Tract43600

Owner

Source: Osceola County records · APN 052631087600011680

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 Record2 Individual Names on File
Mailing Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 02, 2019Correction Deed, Subdivision Related Transfer
EASTERN NATIONAL TITLE AGENCY, EASTERN NAT'L TITLE AGCY
Jun 11, 2019Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
K HOVNANIAN AMERICAN MORTGAGE LLC
Jun 18, 2019Loan Modification, Mortgage · Line of Credit
WILMINGTON TR
Jan 30, 2018Loan Modification, Mortgage · Line of Credit
WILMINGTON TR
Aug 08, 2017Grant Deed, Mortgage · Line of Credit
WILMINGTON TR
Jul 10, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 26, 2019 · Amount on Record
Deed SaleNov 26, 2019 · Amount on Record
Prior SaleJul 10, 2017 · Amount on Record
Deed Doc Number0056321177
Deed Book / Page5632 / 1177
Last Transfer DateDec 02, 2019
Transfer Doc0056321177
Record RefreshedJun 08, 2026

December 2019: Correction Deed, Subdivision Related Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateDec 02, 2019
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0056321177
Book / Page005632 / 001177
Instrument DateNov 26, 2019
Instrument155384
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 20, 2019
Title CompanyEASTERN NATIONAL TITLE AGENCY, EASTERN NAT'L TITLE AGCY

Transaction

AmountAmount Recorded
Tax$2,468.30
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address4904 TORTUGA ST ST CLOUD FL 347710003, ST CLOUD, FL 34771-0003

June 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 11, 2019
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0055390452
Book / Page5539 / 0452
Map ReferenceMB 24 PG 42
Instrument DateJun 10, 2019
Instrument2019075181
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 01, 2022
Title CompanyEASTERN NATL TTL AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,468.90
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2301 LUCIEN WAY STE 260, 2301, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

NameVerified Name
Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003

Mortgage

Document Number0005539454
DateJun 11, 2019
Instrument5539/454
Lender
NameK HOVNANIAN AMERICAN MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJul 01, 2034

June 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJun 18, 2019
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0055430603
Book / Page005543 / 000603
Instrument DateMay 20, 2019
Instrument78528
Transaction TypeMortgage
Record UpdatedJul 05, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address90 MATAWAN RD #5TH MATAWAN NJ 077472623, 5TH, MATAWAN, NJ 07747-2623

Mortgage

Document Number55430603
DateJun 18, 2019
Book Page005543/000603
Instrument78528
Lender
NameWILMINGTON TR
Address1100 N MARKET ST, WILMINGTON, DE 19890-1100
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Recording DateJan 30, 2018
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0052771344
Book / Page005277 / 001344
Instrument DateJan 17, 2018
Instrument15966
Transaction TypeMortgage
Record UpdatedFeb 22, 2018

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139

Mortgage

Document Number52771344
DateJan 30, 2018
Book Page005277/001344
Instrument15966
Lender
NameWILMINGTON TR
Address1100 N MARKET ST RODNEY SQ N, WILMINGTON, DE 19890
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueJan 29, 2023
Interest
Rate TypeAdjustable Rate

August 2017: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 08, 2017
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0051911631
Book / Page005191 / 001631
Instrument DateJul 21, 2017
Instrument114505
Transaction TypeMortgage
Record UpdatedSep 25, 2017

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address110 W FRONT ST RED BANK NJ 077011139, RED BANK, NJ 07701-1139
InvestorPossibly a Property Investor

Mortgage

Document Number51911631
DateAug 08, 2017
Book Page005191/001631
Instrument114505
Lender
NameWILMINGTON TR
Address1100 N MARKET ST, WILMINGTON, DE 19890-1100
Agreement
TypeLine of Credit
AmountAmount Recorded
Term36 Months
DueAug 07, 2020
Interest
Rate TypeAdjustable Rate

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJul 10, 2017
Property Address4904 TORTUGA ST, SAINT CLOUD, FL 34771-0003
Document Number0051761375
Book / Page005176 / 001375
Instrument DateJul 07, 2017
Instrument99601
Transaction TypeTransfer
Record UpdatedAug 11, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$27,023.00
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address151 SOUTHHALL LN #120 MAITLAND FL 327517115, 120, MAITLAND, FL 32751-7115
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,228.00 (+6.15%) Homeowner's exemption$279,109 (+5.99%)$362,200 (+0.5%) Land $75,000 Building $287,200
2023$3,983.00 (+3.51%) Homeowner's exemption$263,343 (+3%)$360,400 (+14.34%) Land $65,000 Building $295,400
2022$3,848.00 Homeowner's exemption$255,673$315,200 Land $60,000 Building $255,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 43% of the US · above 14% of Florida
Wildfire LikelihoodAbout 1 in 1,064 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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