5025 Disston Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5025 Disston Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,608 sqft · built 2023
Lot Size	4.99 acres (217,451 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,107 (2025)
Deeds & Mortgages	Sep 2018 Construction Loan Jul 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-25-31-0000-0075-0000`

Property Details

APN / Parcel Number

Primary APN	`32-25-31-0000-0075-0000`
Alternative APNs	`253132000000750000` `93004`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Stories	1 Story
Building Area	2,608 sqft Living Area
Gross Area	3,875 sqft
1st Floor Area	2,608 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,451 sqft (4.99 acres)
Garage Type	Attached
Garage Area	478 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	484 sqft
Deck Area	64 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5025 DISSTON DR
City	SAINT CLOUD
State	FL
Zip	34771-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	BEG 830 FT W OF NE COR OF NW 1/4, W 207.5 FT, S 1050 FT, E 207.5 FT, N 1050 FT TO POB
Legal Range	31E
Legal Township	25S
Legal Section	32
Legal Subdivision	ACREAGE & UNREC
Legal Tract	0000
Legal Block	75
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3011
Census Tract	43700

Owner

5025 Disston Dr is owned and occupied by two individuals who acquired it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5025 DISSTON DR, SAINT CLOUD, FL 34771-9618
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
Sep 17, 2018	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Jul 31, 2019	Loan Modification, Mortgage · FHA Mortgage CENTERSTATE BK NA
Aug 22, 2018	Quit Claim Deed ATTORNEY ONLY
Jul 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 21, 2018
Transfer Doc	0053890377
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5025 DISSTON DR, SAINT CLOUD, FL 34771-9618
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054020722
Date	Sep 17, 2018
Book Page	5402/0722
Instrument	2018140049

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5025 DISSTON DR, SAINT CLOUD, FL 34771-9618
Document Number	0055662370
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5025 DISSTON DR ST CLOUD FL 347719618, ST CLOUD, FL 34771-9618

Mortgage

Document Number	0055662370
Date	Aug 1, 2019
Book Page	005566/002370
Instrument	99497

Lender

Name	CENTERSTATE BK NA
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

August 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	5025 DISSTON DR, SAINT CLOUD, FL 34771-9618
Document Number	0053890377
Book / Page	005389 / 000377
Instrument Date	Aug 21, 2018
Instrument	127887
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5025 DISSTON DR ST CLOUD FL 347719618, ST CLOUD, FL 34771-9618

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2018
Property Address	5025 DISSTON DR, SAINT CLOUD, FL 34771-9618
Document Number	0053690342
Book / Page	005369 / 000342
Instrument Date	Jul 13, 2018
Instrument	109580
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5025 DISSTON DR ST CLOUD FL 347719618, ST CLOUD, FL 34771-9618

Tax Assessment & Valuation

The 2025 property tax bill for 5025 Disston Dr was $9,107 with a homeowner's exemption, up 1.3% 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	$9,107.00 (+1.29%) Homeowner's exemption	$646,800 Land $190,900 Building $455,900	$646,800 Land $190,900 Building $455,900
2024	$8,991.00 (+369.75%)
2023	$1,914.00 (+1.97%) Homeowner's exemption Widower's exemption	$137,759 (+3%)	$291,900 (+32.14%) Land $190,900 Building $101,000
2022	$1,877.00 Homeowner's exemption Widower's exemption	$133,747	$220,900 Land $148,500 Building $72,400

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

Flood

FEMA maps place 5025 Disston Dr in Zone X, an area of minimal flood risk.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 5025 Disston Dr is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Disston Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures