5040 Gardenrow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5040 Gardenrow Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Vacant Land
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$289,580 (Mar 2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-26-31-5269-0001-1497`

Property Details

APN / Parcel Number

Primary APN	`17-26-31-5269-0001-1497`
Alternative APN	`263117526900011497`

Exterior

Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	5040 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 1497
Legal Subdivision	TWIN LAKES PHASE 4B
Legal Lot Number	1497
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43301

Owner

Source: Osceola County assessment roll, APN 17-26-31-5269-0001-1497, as of November 26, 2025 · Last verified April 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 File
Mailing Address	5040 GARDENROW DR, SAINT CLOUD, FL 34772-7994
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Deed Document Number	202630786
Deed Book / Page	6934 / 486
Record Updated	Jun 08, 2026

March 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2026
Property Address	5040 GARDENROW DR, SAINT CLOUD, FL 34772-7994
Document Number	0069340486
Book / Page	6934 / 486
Map Reference	MB 35 PG 184-187
Instrument Date	Feb 26, 2026
Instrument	2026030786
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 25, 2026
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,027.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5040 GARDENROW DR, SAINT CLOUD, FL 34772-7994

Mortgage

Document Number	0006934488
Date	Mar 10, 2026
Instrument	6934/488

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

Tax Assessment & Valuation

Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Assessed Value	Assessed Market Value
2025	$85,000 Land $85,000	$85,000 Land $85,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% 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.

Internet Providers

Source: FCC Broadband Data Collection, 65 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3494429, 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

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 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.