4907 Galapagos St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4907 Galapagos St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,398 sqft · built 2018
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Tax Bill	$4,909 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052631087500010090`

Property Details

APN / Parcel Number

Primary APN	`052631087500010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,398 sqft Heated Area
Gross Area	3,324 sqft
1st Floor Area	2,398 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Finished
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	390 sqft
Patio Area	470 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4907 GALAPAGOS ST
City	SAINT CLOUD
State	FL
Zip	34771-0002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PRESERVE AT TURTLE CREEK PH 1 PB 24 PG 40-42 LOT 9
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	TURTLE CREEK
Legal Phase	1
Legal Tract	875
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2066
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	4907 GALAPAGOS ST, SAINT CLOUD, FL 34771-0002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 5, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Oct 23, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2023
Deed Sale	Aug 2, 2023
Deed Document Number	2018150140
Deed Book / Page	5413 / 0793
Prior Transfer Date	Oct 5, 2018
Prior Transfer Doc	2018150140
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4907 GALAPAGOS ST, SAINT CLOUD, FL 34771-0002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058581998
Date	Dec 28, 2020
Book Page	5858/1998
Instrument	2020175403

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Jan 1, 2034

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2018
Property Address	4907 GALAPAGOS ST, SAINT CLOUD, FL 34771-0002
Document Number	0054130793
Book / Page	5413 / 0793
Map Reference	MB24 PG40
Instrument Date	Oct 1, 2018
Instrument	2018150140
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,191.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4907 GALAPAGOS ST, SAINT CLOUD, FL 34771-0002

Mortgage

Document Number	2018150141
Date	Oct 5, 2018
Instrument	2018150141

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2033

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2017
Property Address	4907 GALAPAGOS ST, SAINT CLOUD, FL 34771-0002
Document Number	0052290509
Book / Page	005229 / 000509
Instrument Date	Oct 23, 2017
Instrument	152577
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$11,760.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6750 FORUM DR #310 ORLANDO FL 328218088, 310, ORLANDO, FL 32821-8088
Investor	Possibly a Property Investor

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	$4,909.00 (+7.94%) Homeowner's exemption	$317,189 (+7.63%)	$408,300 (+1.24%) Land $75,000 Building $333,300
2023	$4,548.00 (+3.43%) Homeowner's exemption	$294,715 (+3%)	$403,300 (+14.18%) Land $65,000 Building $338,300
2022	$4,397.00 Homeowner's exemption	$286,132	$353,200 Land $60,000 Building $293,200

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 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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 489 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 / 1,000

May also be available: Verizon, Xfinity.

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