4916 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4916 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,401 sqft · built 2007
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Mar 2017)
Tax Bill	$3,846 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`31-25-31-0840-0001-0670`

Property Details

APN / Parcel Number

Primary APN	`31-25-31-0840-0001-0670`
Alternative APNs	`253131084000010670` `143740`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,401 sqft Living Area
Gross Area	3,143 sqft
1st Floor Area	1,849 sqft
Upper Floors Area	552 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4916 TERRAPIN BLVD
City	SAINT CLOUD
State	FL
Zip	34771-7501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	TURTLE CREEK PH 1A PB 19 PG 22-25 LOT 67
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK PH 1A
Legal Phase	1A
Legal Tract	840
Legal Block	670
Legal Lot Number	67
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2064
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 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	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Intrafamily Transfer, Transfer
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit FOURLEAF FCU
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 29, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2017 · Amount on Record
Deed Sale	Mar 29, 2017 · Amount on Record
Prior Sale	Jul 17, 2009 · Amount on Record
Deed Document Number	201748281
Deed Book / Page	5124 / 145
Last Transfer Date	Oct 24, 2025
Transfer Doc	0068701476
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2025
Property Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501
Document Number	0068701476
Book / Page	6870 / 1476
Map Reference	MB 19 PG 22-25
Instrument Date	Oct 24, 2025
Instrument	2025132484
Transaction Type	Transfer
Record Updated	Nov 5, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501

Mortgage

Document Number	0068590088
Date	Oct 3, 2025
Book Page	6859/88
Instrument	2025122675

Lender

Name	FOURLEAF FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501

Mortgage

Document Number	0061601147
Date	Mar 1, 2022
Book Page	6160/1147
Instrument	2022032489

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2017
Property Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501
Document Number	0051240145
Book / Page	5124 / 0145
Map Reference	MB19 PG22
Instrument Date	Mar 28, 2017
Instrument	2017048281
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	$1,778.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 CHURCH ST, 526, GLEN PARK, NY 13601-1015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4916 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7501

Mortgage

Document Number	0051240147
Date	Mar 29, 2017
Instrument	5124/0147

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

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	$3,846.00 (+3.5%)	$257,792 (+2.9%)	$369,000 (-2.66%) Land $75,000 Building $294,000
2024	$3,716.00 (+2.62%) Homeowner's exemption	$250,527 (+3%)	$379,100 (+3.21%) Land $70,000 Building $309,100
2023	$3,621.00 (+3.58%) Homeowner's exemption	$243,231 (+3%)	$367,300 (+13.96%) Land $65,000 Building $302,300
2022	$3,496.00 Homeowner's exemption	$236,147	$322,300 Land $60,000 Building $262,300

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 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.

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