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5023 Coveview Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5023 Coveview Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,481 sqft · built 2005
Lot Size0.643 acres (28,009 sqft)
Owner2 Individual Names on File
Last Sale$485,000 (Apr 2020)
Tax Bill$6,184 (2025)
Deeds & MortgagesApr 2023 Second Mortgage
Aug 2022 Mortgage
+ 3 more
Flood ZoneZone AE (high risk)
APN07-25-31-3885-0001-0660

Property Details

APN / Parcel Number

Primary APN07-25-31-3885-0001-0660
Alternative APNs
  • 253107388500010660
  • 122350

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,481 sqft Living Area
Gross Area4,873 sqft
1st Floor Area1,862 sqft
Upper Floors Area1,619 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area28,009 sqft (0.643 acres)
Garage TypeAttached
Garage Area807 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area480 sqft
PorchFinished/Open Porch
Porch Area585 sqft
Deck Area1,140 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address5023 COVEVIEW DR
CitySAINT CLOUD
StateFL
Zip34771-7966
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionLAKE POINTE PB 16 PGS 90-92 LOT 66
Legal Range31E
Legal Township25S
Legal Section07
Legal SubdivisionLAKE POINTE
Legal Tract3885
Legal Block660
Legal Lot Number66
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

Source: Osceola County records · APN 07-25-31-3885-0001-0660

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 Record2 Individual Names on File
Mailing Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 19, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
MCCOY FCU
Aug 11, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
MORTGAGE SOLUTIONS FCS INC
Jun 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Dec 03, 2019Deed of Trust, Mortgage · Construction Mortgage
NORTH AMERICAN SAVINGS BANK FSB
Apr 14, 2020Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 14, 2020 · Amount on Record
Deed SaleApr 14, 2020 · Amount on Record
Prior SaleJul 08, 2015 · Amount on Record
Deed Document Number202050827
Deed Book / Page5707 / 2964
Last Transfer DateAug 03, 2022
Transfer Doc0062671962
Record UpdatedJun 08, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Transaction TypeMortgage
Record UpdatedMay 03, 2023
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number0063910568
DateApr 19, 2023
Book Page6391/568
Instrument2023046867
Lender
NameMCCOY FCU
TypeCredit Union
AddressORLANDO, FL 32809
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueApr 13, 2043

August 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateAug 11, 2022
Property Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Document Number0062671962
Book / Page6267 / 1962
Map ReferenceMB 16 PG 90-92
Instrument DateAug 03, 2022
Instrument2022123425
Transaction TypeTransfer
Record UpdatedAug 23, 2022
Title CompanyNOT AVAILABLE, ASCENDANT NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5023 COVEVIEW DR, 5023, SAINT CLOUD, FL 34771-7966

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number0062671967
DateAug 11, 2022
Instrument6267/1967
Lender
NameMORTGAGE SOLUTIONS FCS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateMar 01, 2023
Change FrequencyMonthly
Min Rate At Change2.75%
Max Rate At Change7.87%
IndexOther
Max Rate7.87%

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Transaction TypeMortgage
Record UpdatedJul 08, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059851799
DateJun 21, 2021
Book Page5985/1799
Instrument2021096644
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056330628
DateDec 03, 2019
Book Page5633/0628
Instrument2019156094
Lender
NameNORTH AMERICAN SAVINGS BANK FSB
TypeBank
AddressGRANDVIEW, MO 64030
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2049

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 14, 2020
Property Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Document Number0057072964
Book / Page5707 / 2964
Map ReferenceMB 16 PG 90-92
Instrument DateApr 09, 2020
Instrument2020050827
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,395.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5023 COVEVIEW DR, 5023, SAINT CLOUD, FL 34771-7966

Transferred To (Grantee/Buyer)

NameVerified Name
Address5023 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number0057072966
DateApr 14, 2020
Instrument5707/2966
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,184.00 (+4.44%) Homeowner's exemption$435,822 (+5.99%)$559,400 (-2.58%) Land $105,000 Building $454,400
2024$5,921.00 (+2.03%)
2023$5,803.00 (+3.72%) Homeowner's exemption$411,204 (+3%)$574,200 (+15.42%) Land $105,000 Building $469,200
2022$5,595.00 Homeowner's exemption$399,228$497,500 Land $95,000 Building $402,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire RiskHigh
above 77% of the US · above 65% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Hotwire Communications.

Based on FCC filings for 191 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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