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3430 5th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3430 5th St, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1990
Square Footage1,528 sqft Living Area
Lot Size15,681 sqft (0.36 acres)
OccupancyOwner Occupied
Last Sale$78,700 (2025)
Tax Bill$6,333.00 (2024)

Property Details

APN / Parcel Number

Primary APN03-26-30-0725-0001-2380
Alternative APNs
  • 263003072500012380
  • 81895

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,528 sqft Living Area
Gross Area1,880 sqft Gross Area
1st Floor1,400 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1917
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area15,681 sqft (0.36 acres)
Depth X Width165 ft x 95 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeCarport Garage
Garage Area324 sqft Garage
CarportCarport
Carport Area324 sqft Carport
Shed1 Shed
Shed Area80 sqft Shed
Porch Area912 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3430 5TH ST
CitySAINT CLOUD
StateFL
Zip34769-2012
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 61-64 BEG AT SW COR LOT 243, N 165.13 FT, E 92.46 FT, S 165.13 FT, W 92.46 FT TO POB
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionS L & I C TOWN OF ST CLOUD
Legal Tract725
Legal Block2380
Legal Lot Number243
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2004
Census Tract43203

Owner

Source: Osceola County records · APN 03-26-30-0725-0001-2380

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

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

Owner of RecordIndividual Name on File
Mailing Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 31, 2025Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage
LOANDEPOT.COM LLC
Sep 14, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Mar 25, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CALIBER HM LOANS
Apr 13, 2018Warranty Deed, Transfer
STEWART TITLE CO
Apr 11, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 31, 2025 · Amount on Record
Deed SaleOct 31, 2025 · Amount on Record
Prior SaleApr 13, 2018 · Amount on Record
Deed Doc Number2025135574
Deed Book / Page6874 / 502
Prior Transfer DateSep 13, 2021
Prior Transfer Doc0060430186
Record RefreshedJun 08, 2026

October 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 31, 2025
Property Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
Document Number0068740502
Book / Page6874 / 502
Map ReferenceMB B PG 61
Instrument DateOct 23, 2025
Instrument2025135574
Transaction TypeTransfer
Record UpdatedNov 12, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$550.90
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name
Address3430 5TH ST, SAINT CLOUD, FL 34769-2012

Transferred To (Grantee/Buyer)

NameVerified Name
Address3430 5TH ST, SAINT CLOUD, FL 34769-2012

Mortgage

Document Number0006874505
DateOct 31, 2025
Instrument6874/505
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateSep 14, 2021
Property Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
Document Number0060430186
Book / Page6043 / 186
Map ReferenceMB B PG 61
Instrument DateSep 13, 2021
Instrument2021142555
Transaction TypeTransfer
Record UpdatedSep 28, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address304 PLAZA DR, DOVER, NH 03820-2419

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
Document Number0055030933
Instrument DateMar 25, 2019
Transaction TypeMortgage
Record UpdatedApr 19, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
Address3430 5TH ST ST CLOUD FL 347692012, ST CLOUD, FL 34769-2012

Mortgage

Document Number0055030933
DateApr 05, 2019
Book Page005503/000933
Instrument43248
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 04, 2049

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 13, 2018
Property Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
Document Number0053161636
Book / Page5316 / 1636
Map ReferenceMB B PG61
Instrument DateApr 11, 2018
Instrument2018058539
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3430 5TH ST, 3430, SAINT CLOUD, FL 34769-2012

Transferred To (Grantee/Buyer)

NameVerified Name
Address3430 5TH ST, SAINT CLOUD, FL 34769-2012

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 11, 2018
Property Address3430 5TH ST, SAINT CLOUD, FL 34769-2012
Document Number0053151359
Book / Page5315 / 1359
Map ReferenceMB B PG61
Instrument DateApr 11, 2018
Instrument2018057242
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3430 5TH ST, 3430, SAINT CLOUD, FL 34769-2012

Transferred To (Grantee/Buyer)

NameVerified Name
Address3430 5TH ST, SAINT CLOUD, FL 34769-2012

Mortgage

Document Number2018057243
DateApr 11, 2018
Instrument2018057243
Lender
NameLAND-HOME FINANCIAL SERVICES
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$6,407.00 (+1.17%)$144,161 (+2.9%)$233,300 (+1.43%) Land $63,200 Building $170,100
2024$6,333.00 (+66.66%) Homeowner's exemption$140,099 (+3%)$230,000 (+10.21%) Land $63,200 Building $166,800
2023$3,800.00 (+2.56%) Homeowner's exemption$136,019 (+3%)$208,700 (+15.5%) Land $57,500 Building $151,200
2022$3,705.00 Homeowner's exemption$132,058$180,700 Land $51,800 Building $128,900

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 20% of the US · above 7% of Florida
Wildfire LikelihoodAbout 1 in 2,778 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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