5003 Cawthon Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5003 Cawthon Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,138 sqft · built 2007
Lot Size	0.245 acres (10,672 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2021)
Tax Bill	$6,694 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-31-2875-0001-2410`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-2875-0001-2410`
Alternative APNs	`253107287500012410` `142933`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,138 sqft Living Area
Gross Area	4,257 sqft
1st Floor Area	2,064 sqft
Upper Floors Area	1,074 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,672 sqft (0.245 acres)
Garage Type	Attached
Garage Area	615 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5003 CAWTHON WAY
City	SAINT CLOUD
State	FL
Zip	34771-7978
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LAKE POINTE PH 2B PB 19 PG 17-18 LOT 241
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE PH 2B
Legal Phase	2B
Legal Tract	2875
Legal Block	2410
Legal Lot Number	241
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

5003 Cawthon Way is owned and occupied by two individuals who bought it in June 2021.

Source: Osceola County records, as of May 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Line of Credit DIGITAL FEDERAL CREDIT UNION
Jun 7, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 7, 2021	Re-recorded Document UNIVERSAL LAND TITLE, UNIVERSAL LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2021 · Amount on File
Deed Sale	Jun 7, 2021 · Amount on File
Prior Sale	Aug 17, 2007 · Amount on File
Deed Document Number	202188277
Deed Book / Page	5975 / 1307
Prior Transfer Date	Aug 3, 2007
Prior Transfer Doc	0059751305
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2026
Property Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978
Document Number	0000063337
Book / Page	6971 / 281
Instrument Date	May 6, 2026
Instrument	202663337
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978

Mortgage

Document Number	0000063337,
Date	May 13, 2026
Book Page	6971/281
Instrument	202663337

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 25, 2066

Interest

Rate	6.37%
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2021
Property Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978
Document Number	0059751307
Book / Page	5975 / 1307
Map Reference	MB 19 PG 17&18
Instrument Date	Jun 3, 2021
Instrument	2021088277
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13214 CABINWOOD DR, 13214, SILVER SPRING, MD 20904-3128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978

Mortgage

Document Number	59751309
Date	Jun 7, 2021
Instrument	5975/1309

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2021
Property Address	5003 CAWTHON WAY, SAINT CLOUD, FL 34771-7978
Document Number	0059751305
Book / Page	5975 / 1305
Map Reference	MB 16 PG 90-92
Instrument Date	Aug 3, 2007
Instrument	2021088276
Record Updated	Jun 16, 2021
Title Company	UNIVERSAL LAND TITLE, UNIVERSAL LAND TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11315 CORPORATE BLVD STE 250, 11315, ORLANDO, FL 32817-8343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13214 CABINWOOD DR, SILVER SPRING, MD 20904-3128

Tax Assessment & Valuation

The 2025 property tax bill for 5003 Cawthon Way was $6,694 with a homeowner's exemption, up 4.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,694.00 (+4.37%) Homeowner's exemption	$472,638	$493,200 Land $90,000 Building $403,200
2024	$6,414.00 (+2%)
2023	$6,288.00 (+3.66%) Homeowner's exemption	$445,940 (+3%)	$508,100 (+16.75%) Land $90,000 Building $418,100
2022	$6,066.00 Homeowner's exemption	$432,952	$435,200 Land $80,000 Building $355,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5003 Cawthon Way in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 5003 Cawthon Way is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Hotwire Communications.

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