Osceola County property record for 2905 5th St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,248 sqft Heated Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $190,000 (2019) |
| Tax Bill | $2,404.00 (2025) |
| Primary APN | 81765 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,248 sqft Heated Area |
| Gross Area | 1,827 sqft Gross Area |
| 1st Floor | 1,248 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,534 sqft (0.15 acres) |
| Depth X Width | 135 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 138 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 81765 |
|---|---|
| Street Address | 2905 5TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2095 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 61-62 W 50 FT OF E 225 FT OF LOT 265 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 725 |
| Legal Block | 1 |
| Legal Lot Number | 265 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2020 |
| Census Tract | 43203 |
Source: Osceola County records · APN 81765
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2905 5TH ST, SAINT CLOUD, FL 34769-2095 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC |
| Mar 05, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage NMB HM LNS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 05, 2019 · Amount on Record |
| Deed Sale | Mar 05, 2019 · Amount on Record |
| Prior Sale | Apr 15, 2014 · Amount on Record |
| Deed Doc Number | 2019028077 |
| Deed Book / Page | 5486 / 1884 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2905 5TH ST, SAINT CLOUD, FL 34769-2095 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057390630 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 5739/630 |
| Instrument | 2020077778 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CROFTON, MD 21114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2019 |
| Property Address | 2905 5TH ST, SAINT CLOUD, FL 34769-2095 |
| Document Number | 0054861884 |
| Book / Page | 005486 / 001884 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 28077 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2019 |
| Title Company | NU WORLD TITLE/CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 2905 5TH ST ST CLOUD FL 347692095, ST CLOUD, FL 34769-2095 |
| Document Number | 54861887 |
|---|---|
| Date | Mar 05, 2019 |
| Book Page | 005486/001887 |
| Instrument | 28078 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $2,404.00 (+6.75%) Homeowner's exemption | $177,206 (+5.99%) | $267,100 (+16.33%) Land $46,800 Building $220,300 |
| 2023 | $2,252.00 (+3.97%) Homeowner's exemption | $167,197 (+3%) | $229,600 (+16.37%) Land $34,000 Building $195,600 |
| 2022 | $2,166.00 Homeowner's exemption | $162,328 | $197,300 Land $30,600 Building $166,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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