5038 Tibet Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5038 Tibet Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6.5 ba · 3,152 sqft · built 2022
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on Record
Last Sale	$724,000 (Mar 2026)
Tax Bill	$9,753 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-0137-0001-3760`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-0137-0001-3760`
Alternative APN	`263120013700013760`

Interior

Full Baths	6.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	3,152 sqft Living Area
Gross Area	3,814 sqft
1st Floor Area	1,348 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5038 TIBET CT
City	SAINT CLOUD
State	FL
Zip	34772-8783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 4 PB 30 PGS 97-99 LOT 376
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	376
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of April 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUMINATE BANK
Mar 30, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 1, 2022	Special Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	202642161
Deed Book / Page	6946 / 631
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783

Mortgage

Document Number	0069120301
Date	Jan 23, 2026
Book Page	6912/301
Instrument	2026010173

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Aug 1, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2026
Property Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783
Document Number	0069460631
Book / Page	6946 / 631
Map Reference	MB 30 PG 97
Instrument Date	Mar 27, 2026
Instrument	2026042161
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,068.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10742 BOCA POINTE DR, ORLANDO, FL 32836-5856

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783

Mortgage

Document Number	0006946633
Date	Mar 30, 2026
Instrument	6946/633

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2022
Property Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783
Document Number	0061850446
Book / Page	6185 / 446
Map Reference	MB 30 PG 97-99
Instrument Date	Mar 30, 2022
Instrument	2022052321
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,539.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5038 TIBET CT, SAINT CLOUD, FL 34772-8783

Mortgage

Document Number	0006185448
Date	Apr 1, 2022
Instrument	6185/448

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,753.00 (-0.07%) Homeowner's exemption	$493,300 (+1.11%) Land $100,000 Building $393,300	$493,300 (+1.11%) Land $100,000 Building $393,300
2024	$9,760.00 (+3.14%)
2023	$9,463.00 (+213.66%)	$487,900 (+509.88%) Land $95,000 Building $392,900	$487,900 (+509.88%) Land $95,000 Building $392,900
2022	$3,017.00	$80,000 Land $80,000	$80,000 Land $80,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 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	Hurricane Irma, Sep 2017 · 8 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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