4908 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4908 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,450 sqft · built 2007
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on Record
Last Sale	$303,000 (Sep 2022)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`143825`

Property Details

APN / Parcel Number

Primary APN	`143825`
Alternative APN	`312531084000011520`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,450 sqft Heated Area
Gross Area	1,942 sqft
1st Floor Area	725 sqft
Upper Floors Area	725 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
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 - Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Patio Area	144 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	143825
Street Address	4908 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 152
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	152
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
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	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 23, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 21, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Nov 6, 2009 · Amount on Record
Deed Document Number	0062882937
Deed Book / Page	6288 / 2937
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2022
Property Address	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500
Document Number	0062882937
Book / Page	6288 / 2937
Map Reference	MB 19 PG 22-25
Instrument Date	Sep 20, 2022
Instrument	2022142599
Transaction Type	Transfer
Record Updated	Sep 30, 2022
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,121.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4210 NEEDLE PALM CT, 4210, SAINT CLOUD, FL 34772-8521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500

Mortgage

Document Number	0062882938
Date	Sep 20, 2022
Instrument	6288/2938

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500

Mortgage

Document Number	0059430387
Date	Apr 23, 2021
Book Page	5943/387
Instrument	2021062453

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	May 1, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4908 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7500
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051192045
Date	Mar 21, 2017
Book Page	5119/2045
Instrument	2017042991

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	FISHERS, IN 46038

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$3,093.00 (-18.75%) Homeowner's exemption	$215,700 (+2.13%) Land $40,000 Building $175,700	$215,700 (+2.13%) Land $40,000 Building $175,700
2023	$3,807.00 (+272.14%)	$211,200 (+113.51%) Land $14,900 Building $196,300	$211,200 (+23.94%) Land $14,900 Building $196,300
2022	$1,023.00 Homeowner's exemption	$98,919	$170,400 Land $14,900 Building $155,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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	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.

Nearby Properties on Terrapin Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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