CCN 105528 · Osceola County, Florida
Terrace of St Cloud, the
3855 Old Canoe Creek Road, Saint Cloud, FL 34769
Terrace of St Cloud, the is a 120-bed for-profit nursing home in Saint Cloud, Florida, first certified for Medicare or Medicaid in 1986. CMS rates it 4 out of 5 stars overall in its September 2026 data, and it averaged 115.6 residents a day, about 96% of its certified beds. It has an active FHA-insured Section 232 loan: $8.7 million originally, at 3.53%, with $7 million outstanding as of September 30, 2026 and maturity in October 2050.
Facility facts
- Certified beds
- 120
- Average residents per day
- 115.6 (96.3% of beds)
- Ownership type
- For profit - Limited Liability company
- Certification
- Medicare and Medicaid
- Legal business name
- St Cloud Opco LLC
- Certified since
- Feb 24, 1986
- Chain or affiliated group
- None listed by CMS
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Florida median | US median |
|---|---|---|---|
| Overall rating | 4 of 5 | State spread: 89 at 1, 143 at 2, 125 at 3, 156 at 4, 178 at 5 | |
| Health inspections | 4 of 5 | ||
| Quality measures | 4 of 5 | ||
| Staffing | 3 of 5 | ||
| Total nurse hours per resident per day | 3.79 | 3.63 | 3.68 |
| RN hours per resident per day | 0.54 | 0.62 | 0.58 |
| Weekend nurse hours per resident per day | 3.45 | ||
| Nursing staff turnover | 42.3% | 41.9% | 44.9% |
| Occupancy (residents / beds) | 96.3% | 92.2% | 85.7% |
| Fines reported by CMS | 1 totaling $8,512 | ||
| Health deficiencies, latest standard survey | 3 (Apr 24, 2025) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Terrace of St Cloud, the meets that part today: 4 stars overall, 4 on health inspections, no abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Sc LTC Holdings LLCOrganization | Direct Ownership Interest | 100% | 08/04/2017 |
| Sc LTC Holdings LLCOrganization | Operational / Managerial Control | n/a | 12/01/2018 |
| Roth, DanielIndividual | Operational / Managerial Control | n/a | 07/18/2024 |
Changes of ownership
| Effective | Buyer | Seller |
|---|---|---|
| Jan 1, 2019 | St Cloud Opco LLC | Terrace of St Cloud LLC |
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| Sep 17, 2015 | 223(f) refinance or purchaseHUD project name: The Terrace of St. Cloud, 120 beds. Lender at endorsement: Regions Bank | $8,663,600 | Active: 3.53%, $6,993,042 balanceMatures Oct 1, 2050. Servicer: Lument Real Estate Capital | 06722175 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.