Osceola County property record for 5018 Shady Pines Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,415 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $464,400 (Nov 2023) |
| Tax Bill | $7,929 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 212630364500011090 |
| Primary APN | 212630364500011090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,415 sqft Heated Area |
| Gross Area | 3,209 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5018 SHADY PINES DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 109 |
| Legal Lot Number | 109 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5018 SHADY PINES DR, SAINT CLOUD, FL 34772-6344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Nov 17, 2023 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage M/I FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2023 · Amount on Record |
| Deed Sale | Nov 17, 2023 · Amount on Record |
| Deed Document Number | 0065062991 |
| Deed Book / Page | 6506 / 2991 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2026 |
| Property Address | 5018 SHADY PINES DR, SAINT CLOUD, FL 34772-6344 |
| Document Number | 0000052345 |
| Book / Page | 6958 / 1619 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 202652345 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FREEDOM MORTGAGE CORPORATION |
| Name | Verified Name |
|---|---|
| Address | 5018 SHADY PINES DR, SAINT CLOUD, FL 34772-6344 |
| Document Number | 0000052345, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 6958/1619 |
| Instrument | 202652345 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 17, 2023 |
| Property Address | 5018 SHADY PINES DR, SAINT CLOUD, FL 34772-6344 |
| Document Number | 0065062991 |
| Book / Page | 6506 / 2991 |
| Map Reference | MB 33 PG 37 |
| Instrument Date | Nov 17, 2023 |
| Instrument | 2023151954 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,250.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5018 SHADY PINES DR, SAINT CLOUD, FL 34772-6344 |
| Document Number | 0065062993 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | 6506/2993 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,929.00 Homeowner's exemption | $392,800 Land $65,000 Building $327,800 | $392,800 Land $65,000 Building $327,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 136 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Fiber | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures