5026 Hartwell Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5026 Hartwell Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,082 sqft · built 2019
Lot Size	0.18 acres (7,840 sqft)
Owner	Trust Name on File
Last Sale	$603,800 (Sep 2019)
Tax Bill	$9,308 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3734-0001-3410`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3734-0001-3410`
Alternative APN	`253108373400013410`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,082 sqft Living Area
Gross Area	5,362 sqft
1st Floor Area	1,786 sqft
Upper Floors Area	2,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	700 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	48 sqft
Porch	Finished/Open Porch
Porch Area	580 sqft
Deck Area	1,251 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5026 HARTWELL CT
City	SAINT CLOUD
State	FL
Zip	34771-7936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 3 PB 24 PG 88-93 LOT 341
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 3
Legal Phase	3
Legal Tract	3734
Legal Block	3410
Legal Lot Number	341
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

5026 Hartwell Ct is owner-occupied and held in a trust since June 2025.

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

Owner of Record	Trust Name on File
Mailing Address	5026 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 23, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage ATHAS CAP
Jan 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2019 · Amount on File
Deed Sale	Sep 23, 2019 · Amount on File
Prior Sale	Jan 1, 2017 · Amount on File
Deed Document Number	2019122991
Deed Book / Page	5594 / 236
Last Transfer Date	Jun 1, 2025
Transfer Doc	0068000580
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5026 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5026 HARTWELL CT, SAINT CLOUD, FL 34771-7936

Mortgage

Document Number	0063631064
Date	Feb 27, 2023
Book Page	6363/1064
Instrument	2023022789

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2019
Property Address	5026 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Document Number	0055940236
Book / Page	005594 / 000236
Instrument Date	Sep 18, 2019
Instrument	122991
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 9, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,226.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5026 HARTWELL CT ST CLOUD FL 347717936, ST CLOUD, FL 34771-7936

Mortgage

Document Number	55940238
Date	Sep 23, 2019
Book Page	005594/000238
Instrument	122992

Lender

Name	ATHAS CAP
Type	Funding / Finance Company
Address	AGOURA HILLS, CA 91301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 22, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.99%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2017
Property Address	5026 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Document Number	0050842246
Book / Page	005084 / 002246
Instrument Date	Jan 11, 2017
Instrument	6658
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$30,352.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4901 VINELAND RD #500 ORLANDO FL 328117383, 500, ORLANDO, FL 32811-7383
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5026 Hartwell Ct was $9,308, up 2.8% 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	$9,308.00 (+2.83%)	$412,201	$667,000 Land $88,000 Building $579,000
2024	$9,052.00 (+7.25%)
2023	$8,440.00 (+2.23%) Homeowner's exemption	$352,797 (+3%)	$624,600 (+15.03%) Land $88,000 Building $536,600
2022	$8,256.00 Homeowner's exemption	$342,522	$543,000 Land $88,000 Building $455,000

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

Flood

FEMA maps place 5026 Hartwell Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5026 Hartwell Ct is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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