4907 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4907 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,550 sqft · built 2009
Lot Size	0.075 acres (3,267 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Sep 2026)
Tax Bill	$4,018 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-25-31-0840-0001-1480`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-1480`
Alternative APNs	`253131084000011480` `143821`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,550 sqft Living Area
Gross Area	2,114 sqft
1st Floor Area	775 sqft
Upper Floors Area	775 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	130 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4907 TERRAPIN BLVD
City	SAINT CLOUD
State	FL
Zip	34771-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 148
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	1480
Legal Lot Number	148
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 September 22, 2026

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	2838 SCENIC LN, KISSIMMEE, FL 34744-0006
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Nov 2, 2021	Deed of Trust, Mortgage HOMETAP INVESTMENT PARTNERS III SPV LLC
Nov 2, 2021	Agreement of Sale, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Jun 9, 2010 · Amount on Record
Deed Document Number	2026118404
Deed Book / Page	7033 / 1564
Prior Transfer Date	Mar 1, 2012
Prior Transfer Doc	0043180104
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2026
Property Address	4907 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0000118404
Book / Page	7033 / 1564
Instrument Date	Aug 11, 2026
Instrument	2026118404
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	UNIK TITLE LLC, UNIK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190,890.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2838 SCENIC LN, KISSIMMEE, FL 34744-0006

Mortgage

Document Number	0000118405,
Date	Sep 11, 2026
Instrument	2026118405

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4907 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5123 FOXTAIL FERN WAY, SAINT CLOUD, FL 34771-8539

Mortgage

Document Number	0060772387
Date	Nov 2, 2021
Book Page	6077/2387
Instrument	2021170010

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Amount	Amount Recorded

November 2021: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	OSCEOLA FL
Recording Date	Nov 2, 2021
Property Address	4907 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0060772398
Book / Page	6077 / 2398
Map Reference	MB 19 PG 22-25
Instrument Date	Sep 26, 2021
Instrument	2021170011
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5123 FOXTAIL FERN WAY, 5123, SAINT CLOUD, FL 34771-8539

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 BOYLSTON ST # 16TH, BOSTON, MA 02199-1900
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,018.00 (+6.3%)	$224,300 (+1.63%) Land $40,000 Building $184,300	$224,300 (+1.63%) Land $40,000 Building $184,300
2024	$3,780.00 (+6.66%)
2023	$3,544.00 (+14.4%)	$220,700 (+24.13%) Land $14,900 Building $205,800	$220,700 (+24.13%) Land $14,900 Building $205,800
2022	$3,098.00	$177,800 Land $14,900 Building $162,900	$177,800 Land $14,900 Building $162,900

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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