4923 Terrapin Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4923 Terrapin Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,704 sqft · built 2007
Lot Size	0.157 acres (6,882 sqft)
Owner	Individual Name on Record
Last Sale	$314,900 (Apr 2020)
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`143692`

Property Details

APN / Parcel Number

Primary APN	`143692`
Alternative APN	`312531084000010190`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,704 sqft Heated Area
Gross Area	3,752 sqft
1st Floor Area	1,292 sqft
Upper Floors Area	1,412 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	6,882 sqft (0.157 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Garage Type	Finished
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	553 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	143692
Street Address	4923 TERRAPIN BLVD
City	SAINT CLOUD
State	FL
Zip	34771-7505
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 19
Legal Range	31E
Legal Township	25S
Legal Section	31
Legal Subdivision	TURTLE CREEK
Legal Phase	1A
Legal Tract	840
Legal Block	1
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2062
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
Co-owner	Co-owner on Record
Mailing Address	4923 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2020	Warranty Deed, Transfer · FHA Mortgage GATEWAY FIRST BANK
Oct 5, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Prior Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	2020047403
Deed Book / Page	5704 / 1168
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2020
Property Address	4923 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7505
Document Number	0057041168
Book / Page	5704 / 1168
Map Reference	MB 19 PG 22-25
Instrument Date	Apr 3, 2020
Instrument	2020047403
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TRADITIONS T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,204.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 CAWTHON WAY, 5000, SAINT CLOUD, FL 34771-7977

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13612 BLUEMOON CT, ORLANDO, FL 32828-8315

Mortgage

Document Number	0057041170
Date	Apr 7, 2020
Instrument	5704/1170

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2017
Property Address	4923 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7505
Document Number	0052181855
Book / Page	5218 / 1855
Map Reference	MB19 PG22-25
Instrument Date	Sep 29, 2017
Instrument	2017142057
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4550 KIMBERLEE CT, 4550, MERRITT ISLAND, FL 32953-7904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4923 TERRAPIN BLVD, SAINT CLOUD, FL 34771-7505

Mortgage

Document Number	0052181856
Date	Oct 5, 2017
Book Page	5218/1856
Instrument	2017142058

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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	$4,662.00 (+6.08%) Homeowner's exemption	$303,365 (+5.99%)	$399,200 (-2.32%) Land $75,000 Building $324,200
2023	$4,395.00 (+3.46%) Homeowner's exemption	$286,230 (+3%)	$408,700 (+14.29%) Land $65,000 Building $343,700
2022	$4,248.00 Homeowner's exemption	$277,894	$357,600 Land $60,000 Building $297,600

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 minimal risk
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