4909 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4909 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,450 sqft · built 2009
Lot Size	0.075 acres (3,267 sqft)
Owner	Company Name on Record
Last Sale	$275,000 (Sep 2025)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`31-25-31-0840-0001-1490`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-1490`
Alternative APNs	`253131084000011490` `143822`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,450 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	725 sqft
Upper Floors Area	725 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
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
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	4909 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 PGS 22-25 LOT 149
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	1490
Legal Lot Number	149
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 April 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2324 BOTANICA CIR, WEST MELBOURNE, FL 32904-7341
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Jul 2, 2020	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 10, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Jun 30, 2023 · Amount on Record
Deed Document Number	2025110200
Deed Book / Page	6844 / 2273
Last Transfer Date	Mar 24, 2026
Transfer Doc	0000040050
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2023
Property Address	4909 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0064331915
Book / Page	6433 / 1915
Map Reference	MB 19 PG 22-25
Instrument Date	Jun 28, 2023
Instrument	2023084837
Transaction Type	Transfer
Record Updated	Jul 17, 2023
Title Company	CHELSEA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4909 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503

Mortgage

Document Number	0064331917
Date	Jun 30, 2023
Instrument	6433/1917

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2020
Property Address	4909 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0057481309
Book / Page	5748 / 1309
Map Reference	MB 19 PG 22-25
Instrument Date	Jun 1, 2020
Instrument	2020085846
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,515.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4612 VIGNETTE WAY, 4612, SARASOTA, FL 34240-2534

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057481311
Date	Jul 2, 2020
Instrument	5748/1311

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 10, 2019
Property Address	4909 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7503
Document Number	0055380905
Book / Page	005538 / 000905
Instrument Date	Jun 7, 2019
Instrument	74479
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 TERRAPIN BLVD ST CLOUD FL 347717503, ST CLOUD, FL 34771-7503

Mortgage

Document Number	55380907
Date	Jun 10, 2019
Book Page	005538/000907
Instrument	74480

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

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	$3,111.00 (-20.96%)	$216,700 (+23.03%) Land $40,000 Building $176,700	$216,700 (+2.12%) Land $40,000 Building $176,700
2024	$3,936.00 (+63.12%)
2023	$2,413.00 (+3.92%) Homeowner's exemption	$176,130 (+3%)	$212,200 (+24.09%) Land $14,900 Building $197,300
2022	$2,322.00 Homeowner's exemption	$171,000 Land $14,900 Building $156,100	$171,000 Land $14,900 Building $156,100

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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