4908 Catalpa Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4908 Catalpa Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,208 sqft · built 2017
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$366,200 (Dec 2017)
Tax Bill	$6,627 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`172631526100011020`

Property Details

APN / Parcel Number

Primary APN	`172631526100011020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,208 sqft Heated Area
Gross Area	3,218 sqft
1st Floor Area	2,208 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	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	216 sqft
Porch	Open Porch
Porch Area	548 sqft
Deck Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4908 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 102
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES
Legal Phase	1
Legal Tract	5261
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43301

Owner

4908 Catalpa Dr is owned and occupied by an individual who bought it in December 2017.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4908 CATALPA DR, SAINT CLOUD, FL 34772-7502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage FBC MTG
May 4, 2017	Loan Modification, Mortgage · Line of Credit CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2017 · Amount on File
Deed Sale	Dec 19, 2017 · Amount on File
Deed Document Number	2017180712
Deed Book / Page	5256 / 1
Record Updated	Jun 8, 2026

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 19, 2017
Property Address	4908 CATALPA DR, SAINT CLOUD, FL 34772-7502
Document Number	0052562470
Book / Page	005256 / 002470
Instrument Date	Nov 16, 2017
Instrument	180712
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2018
Title Company	CLEAR TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,563.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 CATALPA DR ST CLOUD FL 347727502, ST CLOUD, FL 34772-7502

Mortgage

Document Number	52562472
Date	Dec 19, 2017
Book Page	005256/002472
Instrument	180713

Lender

Name	FBC MTG
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2017
Property Address	4908 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 on Record

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	$6,627.00 (+11.58%) Homeowner's exemption	$325,662 (+1.13%)	$426,700 (-8.39%) Land $85,000 Building $341,700
2023	$5,939.00 (+3.3%) Homeowner's exemption	$322,024 (+3%)	$465,800 (+24.85%) Land $75,000 Building $390,800
2022	$5,749.00 Homeowner's exemption	$312,645	$373,100 Land $65,000 Building $308,100

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

Flood

FEMA maps place 4908 Catalpa Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1987.

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 File 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

Wildfire risk around 4908 Catalpa Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of 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.

Nearby Properties on Catalpa Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures