Osceola County property record for 3531 5th St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,011 sqft Living Area |
| Lot Size | 12,414 sqft (0.285 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $72,100 (2015) |
| Tax Bill | $1,296.00 (2024) |
| Primary APN | 03-26-30-0730-0001-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,011 sqft Living Area |
| Gross Area | 1,371 sqft Gross Area |
| 1st Floor | 1,011 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 12,414 sqft (0.285 acres) |
| Depth X Width | 135 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 330 sqft Garage |
| Porch Area | 30 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3531 5TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2013 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SMITHS CORNER PB 8 PG 14 LOT 1 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | SMITHS CORNER |
| Legal Tract | 730 |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2014 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0730-0001-0010
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 09, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Dec 06, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHSTATE BANK NA |
| Mar 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Aug 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BK/FL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 02, 2015 · Amount on Record |
| Deed Sale | Sep 02, 2015 · Amount on Record |
| Prior Sale | Jun 13, 2014 · Amount on Record |
| Deed Doc Number | 2015131239 |
| Deed Book / Page | 4835 / 2418 |
| Prior Transfer Date | Aug 14, 2015 |
| Prior Transfer Doc | 0048352418 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Investor | Possibly a Property Investor |
| Document Number | 0062092929 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 6209/2929 |
| Instrument | 2022073104 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Apr 20, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Investor | Possibly a Property Investor |
| Document Number | 0067061672 |
|---|---|
| Date | Dec 06, 2024 |
| Book Page | 6706/1672 |
| Instrument | 2024153912 |
| Name | SOUTHSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0056841108 |
|---|---|
| Date | Mar 03, 2020 |
| Book Page | 5684/1108 |
| Instrument | 2020030397 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3531 5TH ST, SAINT CLOUD, FL 34769-2013 |
| Document Number | 0052042208 |
| Book / Page | 005204 / 002208 |
| Instrument Date | Aug 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 05, 2017 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 3531 5TH ST ST CLOUD FL 347692013, ST CLOUD, FL 34769-2013 |
| Document Number | 0052042208 |
|---|---|
| Date | Sep 05, 2017 |
| Book Page | 005204/002208 |
| Instrument | 127437 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 04, 2037 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $1,364.00 (+5.25%) Homeowner's exemption | $119,082 (+6.7%) | $280,900 (+23.85%) Land $40,000 Building $240,900 |
| 2024 | $1,296.00 (+3.6%) | ||
| 2023 | $1,251.00 (+21.22%) Homeowner's exemption | $111,607 (+12.25%) | $226,800 (+24.07%) Land $35,000 Building $191,800 |
| 2022 | $1,032.00 Homeowner's exemption | $99,428 | $182,800 Land $30,000 Building $152,800 |
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 20% of the US · above 7% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures