Osceola County property record for 5028 Rhea Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,527 sqft · built 2024 |
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $477,990 (Feb 2025) |
| Tax Bill | $8,443 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-31-0138-0001-5180 |
| Primary APN | 20-26-31-0138-0001-5180 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,527 sqft Living Area |
| Gross Area | 3,308 sqft |
| 1st Floor Area | 1,146 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,662 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 240 sqft |
| Heating System | HVAC |
|---|
| Street Address | 5028 RHEA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANOVER LAKES PH 5 PB 32 PGS 42-43 LOT 518 |
| Legal Subdivision | HANOVER LAKES PHASE 5 REPLAT |
| Legal Lot Number | 518 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records · APN 20-26-31-0138-0001-5180
Assessment roll updated November 26, 2025 · Last verified August 2026
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 File |
|---|---|
| Mailing Address | 5028 RHEA DR, SAINT CLOUD, FL 34772-8788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Aug 04, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Feb 06, 2025 | Special Warranty Deed, Transfer · FHA Mortgage NFM INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2025 · Amount on Record |
| Deed Sale | Feb 06, 2025 · Amount on Record |
| Deed Document Number | 202515643 |
| Deed Book / Page | 6736 / 1576 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 04, 2026 |
| Property Address | 5028 RHEA DR, SAINT CLOUD, FL 34772-8788 |
| Document Number | 0000101639 |
| Book / Page | 7014 / 2630 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 2026101639 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 5028 RHEA DR, SAINT CLOUD, FL 34772-8788 |
| Document Number | 0000101639, |
|---|---|
| Date | Aug 04, 2026 |
| Book Page | 7014/2630 |
| Instrument | 2026101639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 01, 2066 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 06, 2025 |
| Property Address | 5028 RHEA DR, SAINT CLOUD, FL 34772-8788 |
| Document Number | 0067361576 |
| Book / Page | 6736 / 1576 |
| Map Reference | MB 32 PG 42-43 |
| Instrument Date | Jan 31, 2025 |
| Instrument | 2025015643 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,346.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2420 LAKEMONT AVE, ORLANDO, FL 32814-6164 |
| Name | Verified Name |
|---|---|
| Address | 5028 RHEA DR, SAINT CLOUD, FL 34772-8788 |
| Document Number | 2025015644 |
|---|---|
| Date | Feb 06, 2025 |
| Instrument | 2025015644 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2055 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,443.00 (+240.17%) | $396,800 (+466.86%) Land $75,000 Building $321,800 | $396,800 (+466.86%) Land $75,000 Building $321,800 |
| 2023 | $2,482.00 (+27.81%) | $70,000 (+75%) Land $70,000 | $70,000 (+75%) Land $70,000 |
| 2022 | $1,942.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 173 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 173 in force |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T.
Based on FCC filings for 217 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 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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