5014 Cawthon Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5014 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	0.264 acres (11,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jun 2019)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-31-2875-0001-2530`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-2875-0001-2530`
Alternative APNs	`253107287500012530` `142945`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,402 sqft Living Area
Gross Area	4,402 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	11,499 sqft (0.264 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	49 sqft
Porch	Finished/Open Porch
Porch Area	382 sqft
Deck Area	1,081 sqft
Patio Area	237 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5014 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 253
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE PH 2B
Legal Phase	2B
Legal Tract	2875
Legal Block	2530
Legal Lot Number	253
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	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 7, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Apr 23, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Jan 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Prior Sale	Apr 23, 2019 · Amount on Record
Deed Document Number	201973587
Deed Book / Page	5537 / 645
Prior Transfer Date	Jan 17, 2009
Prior Transfer Doc	0052780654
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977

Mortgage

Document Number	0062801971
Date	Sep 2, 2022
Book Page	6280/1971
Instrument	2022135079

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058882422
Date	Feb 10, 2021
Book Page	5888/2422
Instrument	2021019603

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2019
Property Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Document Number	0055370645
Book / Page	005537 / 000645
Instrument Date	Jun 7, 2019
Instrument	73587
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5014 CAWTHON WAY ST CLOUD FL 347717977, ST CLOUD, FL 34771-7977

Mortgage

Document Number	55370647
Date	Jun 7, 2019
Book Page	005537/000647
Instrument	73588

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2049

April 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2019
Property Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Document Number	0055111058
Book / Page	005511 / 001058
Instrument Date	Apr 9, 2019
Instrument	50745
Transaction Type	Foreclosure
Record Updated	May 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,894.20
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2500 W OAK ST KISSIMMEE FL 34741, KISSIMMEE, FL 34741

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2018
Property Address	5014 CAWTHON WAY, SAINT CLOUD, FL 34771-7977
Document Number	0052780654
Book / Page	005278 / 000654
Instrument Date	Jan 17, 2009
Instrument	16649
Transaction Type	Transfer
Record Updated	Feb 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 CAWTHON WAY ST CLOUD FL 347717977, ST CLOUD, FL 34771-7977

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	$4,215.00 (+5.01%) Homeowner's exemption	$293,685 (+5.99%)	$547,700 (-2.02%) Land $90,000 Building $457,700
2024	$4,014.00 (+2.14%)
2023	$3,930.00 (+20.52%) Homeowner's exemption	$277,097 (+19.32%)	$559,000 (+25.03%) Land $90,000 Building $469,000
2022	$3,261.00 Homeowner's exemption	$232,231	$447,100 Land $80,000 Building $367,100

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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