Osceola County property record for 5034 Gardenrow Dr, Saint Cloud, FL 34772
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $329,000 (Jul 2026) |
| Tax Bill | $2,874 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-26-31-5269-0001-1499 |
| Primary APN | 17-26-31-5269-0001-1499 |
|---|---|
| Alternative APN |
|
| Lot Area | 4,356 sqft (0.1 acres) |
|---|
| Street Address | 5034 GARDENROW DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7994 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | TWIN LAKES PH 4B PB 35 PGS 184-187 LOT 1499 |
| Legal Subdivision | TWIN LAKES PHASE 4B |
| Legal Lot Number | 1499 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 43301 |
Source: Osceola County records, as of July 13, 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 Record |
|---|---|
| Mailing Address | 5034 GARDENROW DR, SAINT CLOUD, FL 34772-7994 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Deed Document Number | 202686522 |
| Deed Book / Page | 6997 / 1043 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 5034 GARDENROW DR, SAINT CLOUD, FL 34772-7994 |
| Document Number | 0000086522 |
| Book / Page | 6997 / 1043 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202686522 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $232,603.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5034 GARDENROW DR, SAINT CLOUD, FL 34772-7994 |
| Document Number | 0000086523, |
|---|---|
| Date | Jul 1, 2026 |
| Book Page | 6997/1045 |
| Instrument | 202686523 |
| Name | PULTE MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,874.00 | $85,000 Land $85,000 | $85,000 Land $85,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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 |
|
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 | Moderate above 69% of the US · above 50% 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.
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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Hotwire Communications, Verizon, Xfinity.
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