4985 Tuscaroa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4985 Tuscaroa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,555 sqft · built 2022
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$398,000 (Dec 2023)
Tax Bill	$4,196 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4270-000N-0080`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4270-000N-0080`
Alternative APNs	`2531204270000N0080` `91763`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,555 sqft Living Area
Gross Area	1,982 sqft
1st Floor Area	1,555 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,763 sqft (0.293 acres)
Garage Type	Attached
Garage Area	399 sqft
Porch	Finished/Open Porch
Porch Area	428 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4985 TUSCAROA AVE
City	SAINT CLOUD
State	FL
Zip	34771-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	TOWN OF NARCOOSSEE PB 1 PG 017 BLK N FROM SW COR OF LOT 11, BLK O, E 166 FT TO POB; CONT E 85 FT, N 150 FT, W 85 FT, S 150 FT TO POB
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE THE TOWN OF
Legal Tract	4270
Legal Block	N,O,E
Legal Lot Number	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of October 12, 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 Record
Mailing Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Dec 21, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL BANK
Sep 1, 2021	Warranty Deed, Transfer VENETIA DIMARZO
Mar 30, 2020	Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	2023166626
Deed Book / Page	6523 / 1975
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 LIVINGSTON CT, MARLBORO, NJ 07746-2746

Mortgage

Document Number	0063112639
Date	Nov 7, 2022
Book Page	6311/2639
Instrument	2022162998

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 21, 2023
Property Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228
Document Number	0065231975
Book / Page	6523 / 1975
Map Reference	MB 1 PG 17
Instrument Date	Dec 12, 2023
Instrument	2023166626
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	NU WORLD TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,786.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 PRESTON RD, PARSIPPANY, NJ 07054-4316

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228

Mortgage

Document Number	0065231980
Date	Dec 21, 2023
Book Page	6523/1980
Instrument	2023166629

Lender

Name	LOCAL BANK
Type	Bank
Address	TUSCALOOSA, AL 35406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 1, 2021
Property Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228
Document Number	0060350329
Book / Page	6035 / 329
Map Reference	MB 1 PG 17
Instrument Date	Jul 30, 2021
Instrument	2021136216
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	TITLE AND ESCROW NTWRK, TITLE & ESCROW FIRM

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 BEDFORD ST, LAKEVILLE, MA 02347-2102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228

Mortgage

Document Number	0006035335
Date	Sep 1, 2021
Instrument	6035/335

Lender

Name	VENETIA DIMARZO
Type	Private Party

Agreement

Amount	Amount Recorded

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2020
Property Address	4985 TUSCAROA AVE, SAINT CLOUD, FL 34771-8228
Document Number	0057001854
Book / Page	005700 / 001854
Instrument Date	Mar 26, 2020
Instrument	44386
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$420.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 BEDFORD ST LAKEVILLE MA 023472102, LAKEVILLE, MA 02347-2102

Tax Assessment & Valuation

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	$4,196.00 (-0.9%)	$292,338 (+13%)	$306,300 (+18.4%) Land $65,000 Building $241,300
2023	$4,234.00 (+246.76%)	$258,700 (+459.96%) Land $45,000 Building $213,700	$258,700 (+459.96%) Land $45,000 Building $213,700
2022	$1,221.00	$46,200 Land $45,000 Building $1,200	$46,200 Land $45,000 Building $1,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
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	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

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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