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4915 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4915 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,849 sqft · built 2007
Lot Size0.148 acres (6,490 sqft)
OwnerIndividual Name on Record
Last Sale$275,000 (Sep 2020)
Tax Bill$7,877 (2025)
Deeds & MortgagesAug 2023 Mortgage
Sep 2020 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN143716

Property Details

APN / Parcel Number

Primary APN143716
Alternative APN
  • 312531084000010430

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,849 sqft Heated Area
Gross Area2,591 sqft
1st Floor Area1,849 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,490 sqft (0.148 acres)
Lot Dimensions130 ft deep x 50 ft wide
Garage TypeFinished
Garage Area536 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area206 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number143716
Street Address4915 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 43
Legal Range31E
Legal Township25S
Legal Section31
Legal SubdivisionTURTLE CREEK
Legal Phase1A
Legal Tract840
Legal Block1
Legal Lot Number43
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2061
Census Tract43600

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address4915 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 11, 2023Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Sep 25, 2020Warranty Deed, Transfer · FHA Mortgage
NORTHPOINTE BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 25, 2020 · Amount on Record
Deed SaleSep 25, 2020 · Amount on Record
Prior SaleAug 2, 2007 · Amount on Record
Deed Document Number2020129281
Deed Book / Page5800 / 2242
Record UpdatedJun 8, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4915 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
Transaction TypeMortgage
Record UpdatedAug 31, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address4915 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504

Mortgage

Document Number0064560403
DateAug 11, 2023
Book Page6456/403
Instrument2023104661
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term326 Months
DueOct 1, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 25, 2020
Property Address4915 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504
Document Number0058002242
Book / Page5800 / 2242
Map ReferenceMB 19 PG 22
Instrument DateSep 22, 2020
Instrument2020129281
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyFIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address102 RENEE RD, 102, BRODHEADSVILLE, PA 18322-7069

Transferred To (Grantee/Buyer)

NameVerified Name
Address4915 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7504

Mortgage

Document Number0058002244
DateSep 25, 2020
Instrument5800/2244
Lender
NameNORTHPOINTE BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$7,877.00 (+52.68%) Homeowner's exemption$317,800 (+0.95%) Land $75,000 Building $242,800$317,800 (+0.95%) Land $75,000 Building $242,800
2023$5,159.00 (+11.21%)$314,800 (+13.98%) Land $65,000 Building $249,800$314,800 (+13.98%) Land $65,000 Building $249,800
2022$4,639.00$276,200 Land $60,000 Building $216,200$276,200 Land $60,000 Building $216,200

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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