Osceola County property record for 3103 5th St, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1990 |
| Square Footage | 1,511 sqft Living Area |
| Lot Size | 14,287 sqft (0.328 acres) |
| Garage | Attached, 546 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $180,000 (2018) |
| Tax Bill | $2,292.00 (2025) |
| Primary APN | 03-26-30-0725-0001-2670 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,511 sqft Living Area |
| Gross Area | 2,242 sqft Gross Area |
| 1st Floor | 1,511 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,287 sqft (0.328 acres) |
| Depth X Width | 135 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 546 sqft Garage |
| Porch Area | 185 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3103 5TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2011 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PGS 61-64 E 180 FT OF LOT 267 LESS S 100 FT OF E 100 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | S L & I C TOWN OF ST CLOUD |
| Legal Tract | 725 |
| Legal Block | 2670 |
| Legal Lot Number | 267 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0725-0001-2670
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MORTGAGE CONNECT |
| Feb 19, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Jul 06, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage RP FUNDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 06, 2018 · Amount on Record |
| Deed Sale | Jul 06, 2018 · Amount on Record |
| Prior Sale | Mar 07, 2006 · Amount on Record |
| Deed Doc Number | 2018103773 |
| Deed Book / Page | 5363 / 70 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Document Number | 0000091479 |
| Book / Page | 7003 / 603 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202691479 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Document Number | 0000091479, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 7003/603 |
| Instrument | 202691479 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 266 Months |
| Due | Sep 01, 2048 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056761806 |
|---|---|
| Date | Feb 19, 2020 |
| Book Page | 5676/1806 |
| Instrument | 2020024368 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Aug 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 06, 2018 |
| Property Address | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Document Number | 0053630070 |
| Book / Page | 5363 / 0070 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018103773 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | SECURITY NATL TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1831 VICTORIA LN, 1831, CHARLESTON, IL 61920-2965 |
| Name | Verified Name |
|---|---|
| Address | 3103 5TH ST, SAINT CLOUD, FL 34769-2011 |
| Document Number | 2018103774 |
|---|---|
| Date | Jul 06, 2018 |
| Instrument | 2018103774 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $2,292.00 (+9.77%) Homeowner's exemption | $170,981 (+8.14%) | $311,300 (+13.28%) Land $63,200 Building $248,100 |
| 2023 | $2,088.00 (+4.04%) Homeowner's exemption | $158,116 (+3%) | $274,800 (+16.15%) Land $57,500 Building $217,300 |
| 2022 | $2,007.00 Homeowner's exemption | $153,511 | $236,600 Land $51,800 Building $184,800 |
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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