Osceola County property record for 4975 Tuscaroa Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,690 sqft · built 2000 |
| Lot Size | 0.372 acres (16,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $78,000 (Sep 2016) |
| Tax Bill | $2,252 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-25-31-4270-000O-0085 |
| Primary APN | 20-25-31-4270-000O-0085 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,690 sqft Living Area |
| Gross Area | 2,310 sqft |
| 1st Floor Area | 1,690 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,204 sqft (0.372 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Metal Porch |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 192 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Utility Building | 64 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4975 TUSCAROA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7275 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMH |
| Legal Description | OLD NARCOOSSEE PB 1 PG 017 BLK O E 108 FT OF LOTS 8, 10 & 12 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NARCOOSSEE THE TOWN OF |
| Legal Tract | 4270 |
| Legal Block | O |
| Legal Lot Number | 85 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records · APN 20-25-31-4270-000O-0085
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4975 TUSCAROA AVE, SAINT CLOUD, FL 34771-7275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2023 | Correction Deed |
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 01, 2016 · Amount on Record |
| Deed Sale | Sep 01, 2016 · Amount on Record |
| Prior Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 2016133135 |
| Deed Book / Page | 5018 / 390 |
| Last Transfer Date | Mar 05, 2023 |
| Transfer Doc | 0063712480 |
| Record Updated | Jun 08, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 15, 2023 |
| Property Address | 4975 TUSCAROA AVE, SAINT CLOUD, FL 34771-7275 |
| Document Number | 0063712480 |
| Book / Page | 6371 / 2480 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Mar 15, 2023 |
| Instrument | 2023030023 |
| Record Updated | Mar 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 4975 TUSCAROA AVE, SAINT CLOUD, FL 34771-7275 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4975 TUSCAROA AVE, SAINT CLOUD, FL 34771-7275 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4975 TUSCAROA AVE, SAINT CLOUD, FL 34771-7275 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0058360265 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 5836/265 |
| Instrument | 2020158409 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,252.00 (+6.58%) Homeowner's exemption | $151,971 (+12.67%) | $220,000 (+20.02%) Land $65,000 Building $155,000 |
| 2024 | $2,113.00 (+1.73%) | ||
| 2023 | $2,077.00 (+11.19%) Homeowner's exemption | $134,886 (+13.85%) | $183,300 (+19.8%) Land $45,000 Building $138,300 |
| 2022 | $1,868.00 Homeowner's exemption | $118,477 | $153,000 Land $45,000 Building $108,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Lumen Technologies.
Based on FCC filings for 193 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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