5010 Cawthon Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5010 Cawthon Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,402 sqft · built 2007
Lot Size	0.332 acres (14,461 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Jun 2025)
Tax Bill	$7,648 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-31-2875-0001-2510`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-2875-0001-2510`
Alternative APNs	`253107287500012510` `142943`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,402 sqft Living Area
Gross Area	4,081 sqft
1st Floor Area	1,570 sqft
Upper Floors Area	1,832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,461 sqft (0.332 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	496 sqft
Porch	Finished/Open Porch
Porch Area	61 sqft
Deck Area	820 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5010 CAWTHON WAY
City	SAINT CLOUD
State	FL
Zip	34771-7977
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 251
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE PH 2B
Legal Phase	2B
Legal Tract	2875
Legal Block	2510
Legal Lot Number	251
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1008
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	235 ADELAIDE ST, BELLEVILLE, NJ 07109-2370
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage KIND LENDING LLC
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage TAYLOR MADE LENDING LLC
Dec 22, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LYNNE HYDE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on Record
Deed Sale	Jun 6, 2025 · Amount on Record
Prior Sale	Nov 4, 2015 · Amount on Record
Deed Document Number	202571224
Deed Book / Page	6799 / 2774
Prior Transfer Date	Jan 13, 2014
Prior Transfer Doc	0045602930
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5010 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 ADELAIDE ST, BELLEVILLE, NJ 07109-2370

Mortgage

Document Number	0067992776
Date	Jun 6, 2025
Book Page	6799/2776
Instrument	2025071225

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5010 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Document Number	0055811990
Instrument Date	Aug 21, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5010 CAWTHON WAY ST CLOUD FL 347717977, ST CLOUD, FL 34771-7977

Mortgage

Document Number	0055811990
Date	Aug 29, 2019
Book Page	005581/001990
Instrument	112385

Lender

Name	TAYLOR MADE LENDING LLC
Type	Bank
Address	FORT LAUDERDALE, FL 33334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Aug 28, 2021

Interest

Rate	10%

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 22, 2017
Property Address	5010 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Document Number	0052581589
Book / Page	005258 / 001589
Instrument Date	Oct 30, 2017
Instrument	182274
Transaction Type	Construction Loan
Record Updated	Feb 5, 2018
Title Company	AMERICAS TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 ALLEGRA CIR ST CLOUD FL 347726721, ST CLOUD, FL 34772-6721

Mortgage

Document Number	52581589
Date	Dec 22, 2017
Book Page	005258/001589
Instrument	182274

Lender

Name	LYNNE HYDE
Address	9011 N BAYSHORE DR, MIAMI, FL 33138-3466

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 21, 2018

Tax Assessment & Valuation

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	$7,648.00 (+4.88%)	$514,800 (-2.83%) Land $90,000 Building $424,800	$514,800 (-2.83%) Land $90,000 Building $424,800
2024	$7,292.00 (+4.53%)
2023	$6,976.00 (+11.96%)	$529,800 (+15.53%) Land $90,000 Building $439,800	$529,800 (+15.53%) Land $90,000 Building $439,800
2022	$6,231.00	$458,600 Land $80,000 Building $378,600	$458,600 Land $80,000 Building $378,600

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

Flood

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 Record 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

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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