4961 Tuscaroa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4961 Tuscaroa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 982 sqft · built 1985
Lot Size	0.365 acres (15,899 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Nov 2025)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4270-000P-0075`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4270-000P-0075`
Alternative APNs	`2531204270000P0075` `91770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	982 sqft Living Area
Gross Area	1,779 sqft
1st Floor Area	982 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,899 sqft (0.365 acres)
Garage Type	Detached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Pool House	946 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4961 TUSCAROA AVE
City	SAINT CLOUD
State	FL
Zip	34771-8296
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RMH
Legal Description	OLD NARCOOSSEE PB 1 PG 017 BLK P E 106 FT LOTS 7 9 & 11
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE THE TOWN OF
Legal Tract	4270
Legal Block	P
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

4961 Tuscaroa Ave, a mobile home, is owned and occupied by an individual who bought it in November 2025.

Source: Osceola County records, as of December 24, 2025

Owner of Record	Individual Name on File
Mailing Address	4961 TUSCAROA AVE, SAINT CLOUD, FL 34771-8296
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Balloon Mortgage OS INVESTMENTS LLC
Nov 17, 2025	Warranty Deed, Transfer · Balloon Mortgage OSN INVESTMENTS LLC
May 3, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	May 3, 2017 · Amount on File
Deed Document Number	2025141382
Deed Book / Page	6881 / 316
Prior Transfer Date	Apr 25, 2013
Prior Transfer Doc	0044330026
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4961 TUSCAROA AVE, SAINT CLOUD, FL 34771-8296
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2441 AVIAN LOOP, KISSIMMEE, FL 34741-7981

Mortgage

Document Number	0068940434
Date	Dec 16, 2025
Book Page	6894/434
Instrument	2025153281

Lender

Name	OS INVESTMENTS LLC
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34744

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	23 Months
Due	Nov 15, 2027

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2025
Property Address	4961 TUSCAROA AVE, SAINT CLOUD, FL 34771-8296
Document Number	0068810316
Book / Page	6881 / 316
Map Reference	MB 1 PG 17
Instrument Date	Nov 10, 2025
Instrument	2025141382
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2680 FORTUNE RD, KISSIMMEE, FL 34744-3910

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4961 TUSCAROA AVE, SAINT CLOUD, FL 34771-8296

Mortgage

Document Number	0006881318
Date	Nov 17, 2025
Instrument	6881/318

Lender

Name	OSN INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	24 Months
Due	Nov 15, 2027

Interest

Rate	3%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2017
Property Address	4961 TUSCAROA AVE, SAINT CLOUD, FL 34771-8296
Document Number	0051412300
Book / Page	005141 / 002300
Instrument Date	May 2, 2017
Instrument	65385
Transaction Type	Transfer
Record Updated	Jun 26, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$629.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2860 FORTUNE RD KISSIMMEE FL 34744, KISSIMMEE, FL 34744

Tax Assessment & Valuation

The 2025 property tax bill for 4961 Tuscaroa Ave was $2,963, up 9.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,963.00 (+9.62%)	$181,700 Land $65,000 Building $116,700	$181,700 Land $65,000 Building $116,700
2024	$2,703.00 (+7.86%)
2023	$2,506.00 (+16.07%)	$151,300 (+33.07%) Land $45,000 Building $106,300	$151,300 (+33.07%) Land $45,000 Building $106,300
2022	$2,159.00	$113,700 Land $45,000 Building $68,700	$113,700 Land $45,000 Building $68,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4961 Tuscaroa Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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

Wildfire risk around 4961 Tuscaroa Ave is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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