The Terrace of St Cloud — nursing home in Saint Cloud, FL

Facility type: Nursing home · SNF / NF
CMS provider type: Medicare and Medicaid
Certified beds: 120 CMS-certified beds (not state-licensed beds)
Licensed beds: State licensure is issued by the state survey agency. State license records are not yet ingested for this facility; the federal CMS certification is shown instead.
Average residents per day: 113.4 CMS, MDS-derived
CMS Certification Number: 105528
Certification status: Active CMS certification Verified
First approved (Medicare/Medicaid): Feb 24, 1986
Ownership type: For profit - Limited Liability company
Operator (legal business name): St Cloud Opco LLC
CMS chain: Not part of a CMS-reported chain
Phone: (407) 957-2280
Resident & family council: Resident
Sprinklers in all required areas: Yes
Official profile: Medicare Care Compare ↗

Inspection record · CMS window

Verified

Inspections

9

latest Nov 5, 2025

Citations

19

15 health · 4 fire

Harm or worse

3

2 immediate jeopardy

Severity	Isolated	Pattern	Widespread
Immediate jeopardy	J2	K·	L·
Actual harm	G1	H·	I·
Potential harm	D10	E4	F1
Minimal	A·	B·	C1

CMS publishes about the three most recent standard surveys plus complaint and infection-control inspections from the prior three years. Older findings leave the dataset; their absence is not evidence they never happened.

CMS Five-Star ratings

Federal · CMS

Overall

Health inspections

Staffing

Quality measures

Penalties · about the last 3 years

Fines

1

$8,512

Payment denials

0

Latest

Jul 24, 2024

Federal certification

Federal · CMS

Authority: Centers for Medicare & Medicaid Services (CMS), surveyed by the state survey agency
CCN: 105528
Program: Medicare and Medicaid
Medicare (SNF): Certified
Medicaid (NF): Certified
Certified beds: 120
First approved: Feb 24, 1986
Located in a hospital: No
Status: Active CMS certification as of CMS release Oct 1, 2026
Evidence: Verified

State license

State licensure is issued by the state survey agency. State license records are not yet ingested for this facility; the federal CMS certification is shown instead. State coverage for Florida.

Federal certification and the state license are different records. A nursing home is licensed by the state and, separately, certified by CMS to bill Medicare and/or Medicaid. We link them by the CCN when the state publishes it; otherwise by exact address, house number and street, or exact name within the same ZIP, and label that link as inferred. Never by name alone.

CMS publishes about the three most recent standard surveys plus complaint and infection-control inspections from the prior three years. Older findings leave the dataset; their absence is not evidence they never happened.

Date	Domain	Survey types	Citations	Most severe	Open
Nov 5, 2025	Health	Health Complaint	1	Potential harm	—	Open →
Apr 24, 2025	Fire safety	Fire Safety Standard	3	Potential harm	—	Open →
Apr 24, 2025	Health	Health Standard	2	Potential harm	—	Open →
Jul 24, 2024	Health	Health Complaint	1	Actual harm	—	Open →
May 31, 2024	Health	Health Complaint	1	Potential harm	—	Open →
Aug 24, 2023	Fire safety	Fire Safety Standard	1	Potential harm	—	Open →
Aug 24, 2023	Health	Health Standard	2	Potential harm	—	Open →
Dec 9, 2021	Fire safety	Fire Safety Standard	0	No citations	—	Open →
Dec 9, 2021	Health	Health Standard	8	Immediate jeopardy	—	Open →

Enforcement

Penalties

Civil money penalties and denials of payment for new admissions, as published by CMS (about the last three years). Amounts may change on appeal.

Date	Type	Amount	Payment denial	Record
Jul 24, 2024	Civil money penalty (fine)	$8,512	—	105528\|Fine\|31382

Scope × severity

Severity	Isolated	Pattern	Widespread
Immediate jeopardy	J2	K·	L·
Actual harm	G1	H·	I·
Potential harm	D10	E4	F1
Minimal	A·	B·	C1

By concept

Date	Tag	Deficiency	Scope / severity	Correction	Flags
Nov 5, 2025	F-0656	Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. Resident Assessment and Care Planning Deficiencies · Clinical care	D · Potential harm Isolated	Corrected Dec 5, 2025	Complaint
Apr 24, 2025	K-0291	Install emergency lighting that can last at least 1 1/2 hours. Egress Deficiencies · Environment & life safety	D · Potential harm Isolated	Corrected May 24, 2025
Apr 24, 2025	K-0345	Have approved installation, maintenance and testing program for fire alarm systems. Smoke Deficiencies · Environment & life safety	D · Potential harm Isolated	Corrected May 24, 2025
Apr 24, 2025	K-0353	Inspect, test, and maintain automatic sprinkler systems. Smoke Deficiencies · Environment & life safety	D · Potential harm Isolated	Corrected May 24, 2025
Apr 24, 2025	F-0694	Provide for the safe, appropriate administration of IV fluids for a resident when needed. Quality of Life and Care Deficiencies · Clinical care	D · Potential harm Isolated	Corrected May 24, 2025
Apr 24, 2025	F-0880	Provide and implement an infection prevention and control program. Infection Control Deficiencies · Infection prevention	D · Potential harm Isolated	Corrected May 24, 2025
Jul 24, 2024	F-0689	Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. Quality of Life and Care Deficiencies · Clinical care	G · Actual harm Isolated	Corrected Aug 24, 2024	Complaint
May 31, 2024	F-0607	Develop and implement policies and procedures to prevent abuse, neglect, and theft. Freedom from Abuse, Neglect, and Exploitation Deficiencies · Resident rights & abuse/neglect	D · Potential harm Isolated	Corrected Jul 5, 2024	Complaint
Aug 24, 2023	K-0345	Have approved installation, maintenance and testing program for fire alarm systems. Smoke Deficiencies · Environment & life safety	F · Potential harm Widespread	Corrected Sep 25, 2023
Aug 24, 2023	F-0656	Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. Resident Assessment and Care Planning Deficiencies · Clinical care	E · Potential harm Pattern	Corrected Sep 25, 2023
Aug 24, 2023	F-0865	Have a plan that describes the process for conducting QAPI and QAA activities. Administration Deficiencies · Administration & records	E · Potential harm Pattern	Corrected Sep 25, 2023
Dec 9, 2021	F-0656	Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. Resident Assessment and Care Planning Deficiencies · Clinical care	J · Immediate jeopardy Isolated	Corrected Jan 5, 2022
Dec 9, 2021	F-0689	Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. Quality of Life and Care Deficiencies · Clinical care	J · Immediate jeopardy Isolated	Corrected Jan 5, 2022
Dec 9, 2021	F-0550	Honor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights. Resident Rights Deficiencies · Resident rights & abuse/neglect	D · Potential harm Isolated	Corrected Jan 5, 2022
Dec 9, 2021	F-0641	Ensure each resident receives an accurate assessment. Resident Assessment and Care Planning Deficiencies · Clinical care	E · Potential harm Pattern	Corrected Jan 5, 2022
Dec 9, 2021	F-0684	Provide appropriate treatment and care according to orders, resident’s preferences and goals. Quality of Life and Care Deficiencies · Clinical care	D · Potential harm Isolated	Corrected Jan 5, 2022
Dec 9, 2021	F-0695	Provide safe and appropriate respiratory care for a resident when needed. Quality of Life and Care Deficiencies · Clinical care	D · Potential harm Isolated	Corrected Jan 5, 2022
Dec 9, 2021	F-0761	Ensure drugs and biologicals used in the facility are labeled in accordance with currently accepted professional principles; and all drugs and biologicals must be stored in locked compartments, separately locked, compartments for controlled drugs. Pharmacy Service Deficiencies · Medication management	E · Potential harm Pattern	Corrected Jan 5, 2022
Dec 9, 2021	F-0732	Post nurse staffing information every day. Nursing and Physician Services Deficiencies · Staffing & supervision	C · Minimal Widespread	Corrected Jan 5, 2022

“Corrected” does not erase a citation: the historical finding stays listed with its disposition. Narrative statements of deficiencies are not part of the CMS dataset; see Care Compare for the official inspection report.

Five-Star ratings

Federal · CMS

Overallstate 3.3

Health inspectionsstate 2.9

Staffingstate 3.3

Quality measuresstate 4.3

Long-stay QM

Short-stay QM

CMS ratings apply to CMS-certified nursing homes only and are relative within each state. They are not a guarantee of any individual resident’s experience.

Nurse staffing · hours per resident per day

Total nurse staffing3.88

State avg 3.86US avg 3.90

Registered nurse (RN)0.63

State avg 0.73US avg 0.69

Licensed practical nurse0.89

State avg 0.80US avg 0.86

Nurse aide2.36

State avg 2.33US avg 2.35

Weekend total nurse3.48

State avg 3.51US avg 3.43

Reported from Payroll-Based Journal (PBJ) data, as published by CMS. Case-mix adjusted total: 4.24 (case-mix index 1.28).

Staff turnover

Total nursing staff turnover37.4%

State avg 41.5%US avg 45.3%

Registered nurse turnover52.6%

State avg 46.1%US avg 42.5%

Administrators who left3

State avg 1US avg 1

Health survey score

Cycle 1 standard survey: Apr 24, 2025
Cycle 1 health score: 12
Total weighted score: 19

Operating entity

St Cloud Opco LLC

CMS legal business name of the certified provider. Operates this facility only.

VerifiedLinked by exact legal name

CMS chain

Not part of a CMS-reported chain.

Ownership disclosures

Disclosures

10

Organizations

1

Individuals

8

Direct & indirect ownership

Owners of record

Name	Type	Role (Carefield group)	CMS role text	Share	Since
Sc Ltc Holdings LLC	Organization	Direct owner	5% OR GREATER DIRECT OWNERSHIP INTEREST	100%	Aug 4, 2017
Jill Tapia	Individual	Indirect owner	INDIRECT OWNERSHIP INTEREST	not provided	Jul 18, 2024

CMS Ownership file

All disclosed roles

Operator, owners, managers, officers and lenders are distinct roles and are never flattened into one entity. Organizations link across facilities by exact normalized legal name; individuals are listed per facility only.

Name	Type	Role (Carefield group)	CMS role text	Share	Since
Sc Ltc Holdings LLC	Organization	Direct owner	5% OR GREATER DIRECT OWNERSHIP INTEREST	100%	Aug 4, 2017
Jill Tapia	Individual	Indirect owner	INDIRECT OWNERSHIP INTEREST	not provided	Jul 18, 2024
Ruth Hernandez	Individual	Operational / managerial control	MANAGING CONTROL - GOVERNING BODY	not provided	Nov 4, 2024
Jill Tapia	Individual	Operational / managerial control	MANAGING CONTROL - GOVERNING BODY	not provided	Jul 18, 2024
Sc Ltc Holdings LLC	Organization	Operational / managerial control	OPERATIONAL/MANAGERIAL CONTROL	not provided	Dec 1, 2018
Daniel Roth	Individual	Operational / managerial control	OPERATIONAL/MANAGERIAL CONTROL	not provided	Jul 18, 2024
Ruth Hernandez	Individual	Additional disclosable party	ADP OF THE SNF	not provided	Nov 4, 2024
Daniel Roth	Individual	Additional disclosable party	ADP OF THE SNF	not provided	Jul 18, 2024
Noman Subhani	Individual	Additional disclosable party	ADP OF THE SNF	not provided	Oct 1, 2024
Jill Tapia	Individual	Additional disclosable party	ADP OF THE SNF	not provided	Jul 18, 2024

No building or property record is linked to this facility yet. Parcel, assessor and building-permit joins will be added only where a valid site match exists.

Coordinates as published by CMS.

Address: 3855 Old Canoe Creek Road, Saint Cloud, FL 34769
ZIP: 34769
County: Osceola County FIPS 12097
State: Florida
Urban / rural (CMS): Urban

Within ~25 km

Nearby nursing homes

Facility	Distance	Beds	Last inspection	Citations (window)	Fines
Solaris Healthcare Osceola 4201 W New Nolte Road, Saint Cloud, FL 34772 CCN 105734	0.7 km	120	Nov 21, 2024	91 IJ	$19k
Avante at St Cloud Inc 1301 Kansas Ave, Saint Cloud, FL 34769 CCN 105670	2 km	131	Jul 16, 2026	371 harm	—
Aviata at St Cloud 4641 Old Canoe Creek Road, Saint Cloud, FL 34769 CCN 105888	2.2 km	120	Jun 30, 2026	382 harm	$92k
Kissimmee Health and Rehabilitation Center 320 N Mitchell St, Kissimmee, FL 34741 CCN 105379	11.1 km	59	May 28, 2026	32	—
Creekstone Health and Wellness 1500 Southgate Drive, Kissimmee, FL 34746 CCN 105559	12.2 km	161	Dec 11, 2025	271 harm	$12k
The Terrace of Kissimmee 221 Park Place Blvd, Kissimmee, FL 34741 CCN 105839	12.5 km	120	Dec 23, 2025	262 IJ	$39k
Aviata at Kissimmee Gardens 1120 W Donegan Ave, Kissimmee, FL 34741 CCN 106074	13.4 km	120	Jan 15, 2026	25	—
Kissimmee Nursing & Rehabilitation Center 2511 John Young Parkway North, Kissimmee, FL 34741 CCN 106011	13.5 km	120	Feb 28, 2025	271 harm	—

Source	Record	Facts	Evidence	Source release	Retrieved
CMS Provider Information US-CMS	105528	name, address, phone, certification, certified_beds, ownership_type, legal_business_name, chain	Verified	Oct 1, 2026	Nov 7, 2026
CMS Provider Information US-CMS	105528	ratings, staffing, health_survey_score Five-Star ratings and PBJ staffing apply to the CMS-certified universe only.	Verified	Oct 1, 2026	Nov 7, 2026

Record-level source links for CCN 105528

First seen by Carefield Nov 7, 2026 · last changed Nov 7, 2026. This record as JSON · Report a correction