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4913 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4913 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,060 sqft · built 2007
Lot Size0.149 acres (6,490 sqft)
OwnerCompany Name on Record
Last Sale$360,000 (Nov 2021)
Tax Bill$4,759 (2025)
Deeds & MortgagesJun 2026 Mortgage
May 2023 Transfer
+ 1 more
Flood ZoneZone X (moderate risk)
APN31-25-31-0840-0001-0440

Property Details

APN / Parcel Number

Primary APN31-25-31-0840-0001-0440
Alternative APNs
  • 253131084000010440
  • 143717

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,060 sqft Living Area
Gross Area2,892 sqft
1st Floor Area2,060 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,490 sqft (0.149 acres)
Lot Dimensions130 ft deep x 50 ft wide
Garage TypeAttached
Garage Area521 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area311 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4913 TERRAPIN BLVD
CitySAINT CLOUD
StateFL
Zip34771-7504
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionTURTLE CREEK PH 1A PB 19 PG 22-25 LOT 44
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK PH 1A
Legal Phase1A
Legal Tract840
Legal Block440
Legal Lot Number44
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2061
Census Tract43600

Owner

Source: Osceola County records, as of July 13, 2026

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

Owner of RecordCompany Name on Record
Mailing Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 4, 2026Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING
May 15, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 8, 2021Warranty Deed, Transfer · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 8, 2021 · Amount on Record
Deed SaleNov 8, 2021 · Amount on Record
Prior SaleFeb 18, 2015 · Amount on Record
Deed Document Number2021173745
Deed Book / Page6082 / 1138
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 4, 2026
Property Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
Document Number0000073524
Book / Page6982 / 2040
Instrument DateMay 23, 2026
Instrument202673524
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust, 221

Mortgage

Document Number0000073524,
DateJun 4, 2026
Book Page6982/2040
Instrument202673524
Lender
NameLAKEVIEW LOAN SERVICING
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.23%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

May 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 15, 2023
Property Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
Document Number0064070268
Book / Page6407 / 268
Map ReferenceMB 19 PG 22-25
Instrument DateMay 15, 2023
Instrument2023061701
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 8, 2021
Property Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
Document Number0060821138
Book / Page6082 / 1138
Map ReferenceMB 19 PG 22-25
Instrument DateOct 22, 2021
Instrument2021173745
Transaction TypeTransfer
Record UpdatedNov 26, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,520.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2838 SCENIC LN, 2838, KISSIMMEE, FL 34744-0006

Transferred To (Grantee/Buyer)

NameVerified Name
Address4913 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504

Mortgage

Document Number60821142
DateNov 8, 2021
Instrument6082/1142
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,759.00 (+6.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$318,765 (+5.99%)$335,600 (+0.75%) Land $75,000 Building $260,600
2023$4,477.00 (+1.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$300,760 (+3%)$333,100 (+14.08%) Land $65,000 Building $268,100
2022$4,403.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$292,000 Land $60,000 Building $232,000$292,000 Land $60,000 Building $232,000

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 148 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: CenturyLink, Verizon, Xfinity.

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