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3105 5th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3105 5th St, Saint Cloud, FL 34769 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1983
Square Footage1,605 sqft Living Area
Lot Size10,105 sqft (0.232 acres)
OccupancyOwner Occupied
Last Sale$375,000 (2023)
Tax Bill$5,490.00 (2025)

Property Details

APN / Parcel Number

Primary APN03-26-30-0725-0001-2676
Alternative APNs
  • 263003072500012676
  • 81774

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,605 sqft Living Area
Gross Area2,166 sqft Gross Area
1st Floor1,605 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area10,105 sqft (0.232 acres)
Depth X Width165 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area431 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area250 sqft Pool
Deck Area874 sqft Deck
Porch Area312 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3105 5TH ST
CitySAINT CLOUD
StateFL
Zip34769-2011
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PGS 61-64 W 75 FT OF E 255 FT OF LOT 267
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionS L & I C TOWN OF ST CLOUD
Legal Tract725
Legal Block2676
Legal Lot Number267
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2015
Census Tract43203

Owner

Source: Osceola County records · APN 03-26-30-0725-0001-2676

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 01, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORPORATION
Jan 20, 2026Intrafamily Transfer, Transfer
Apr 18, 2024Quit Claim Deed, Transfer
Quitclaim Document
Mar 22, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
LOWER LLC
Mar 22, 2023Correction Deed
ATTORNEY ONLY, ATTORNEY
Jun 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 22, 2023 · Amount on Record
Deed SaleMar 22, 2023 · Amount on Record
Prior SaleSep 08, 2008 · Amount on Record
Deed Doc Number202332716
Deed Book / Page6374 / 2222
Last Transfer DateMar 20, 2024
Transfer Doc0065851384
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 01, 2026
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0000086824
Book / Page6997 / 2099
Instrument DateJun 24, 2026
Instrument202686824
Transaction TypeMortgage
Record UpdatedJul 13, 2026
Title CompanyFREEDOM LAND SETTLEMENT CORPORATION, FREEDOM MORTGAGE CORPORATION

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

Mortgage

Document Number0000086824,
DateJul 01, 2026
Book Page6997/2099
Instrument202686824
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.53%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

January 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 20, 2026
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0069100661
Book / Page6910 / 661
Map ReferenceMB B PG 61-64
Instrument DateJan 20, 2026
Instrument2026007932
Transaction TypeTransfer
Record UpdatedJan 30, 2026

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

April 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateApr 18, 2024
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0065851384
Book / Page6585 / 1384
Instrument DateMar 20, 2024
Instrument2024050520
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

Transferred To (Grantee/Buyer)

NameVerified Name

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2023
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0063742222
Book / Page6374 / 2222
Map ReferenceMB B PG 61-64
Instrument DateMar 22, 2023
Instrument2023032716
Transaction TypeTransfer
Record UpdatedApr 04, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address305 ARAPAHO TRL, WINTER SPRINGS, FL 32708-5104

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

Mortgage

Document Number0063742224
DateMar 22, 2023
Instrument6374/2224
Lender
NameLOWER LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

March 2023: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2023
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0063742220
Book / Page6374 / 2220
Map ReferenceMB B PG 61-64
Instrument DateFeb 09, 2023
Instrument2023032715
Record UpdatedApr 04, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address12 CRANBERRY LEDGE RD, BYRAM TOWNSHIP, NJ 07821-3004

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 5TH ST, SAINT CLOUD, FL 34769-2011

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3105 5TH ST, SAINT CLOUD, FL 34769-2011
Document Number0057470026
Instrument DateJun 22, 2020
Transaction TypeMortgage
Record UpdatedJul 30, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 5TH ST ST CLOUD FL 347692011, ST CLOUD, FL 34769-2011

Mortgage

Document Number0057470026
DateJul 01, 2020
Book Page005747/000026
Instrument84646
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 30, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,490.00 (+2.43%)$306,500 (+196.5%) Land $55,000 Building $251,500$306,500 (+13.43%) Land $55,000 Building $251,500
2024$5,360.00 (+386.39%)
2023$1,102.00 (+5.05%) Homeowner's exemption$103,373 (+3%)$270,200 (+18.15%) Land $50,000 Building $220,200
2022$1,049.00 Homeowner's exemption$100,363$228,700 Land $45,000 Building $183,700

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 5% of the US · above 5% of Florida
Wildfire LikelihoodAbout 1 in 4,545 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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