5041 Center Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5041 Center Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	7 bd · 5 ba · 4,658 sqft · built 2023
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$735,324 (May 2023)
Tax Bill	$1,801 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202631013700013210`

Property Details

APN / Parcel Number

Primary APN	`202631013700013210`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,658 sqft Heated Area
Gross Area	5,400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished

Exterior Amenities

Porch	Open Porch
Porch Area	160 sqft
Patio Area	403 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5041 CENTER CT
City	SAINT CLOUD
State	FL
Zip	34772-8775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 4 PB 30 PGS 97-99 LOT 321
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	321
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	5041 CENTER CT, SAINT CLOUD, FL 34772-8775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 30, 2023	Special Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Feb 11, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Feb 11, 2022 · Amount on Record
Deed Document Number	2023068835
Deed Book / Page	6415 / 1142
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5041 CENTER CT, SAINT CLOUD, FL 34772-8775
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5041 CENTER CT, SAINT CLOUD, FL 34772-8775

Mortgage

Document Number	0069311084
Date	Mar 4, 2026
Book Page	6931/1084
Instrument	2026028455

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2023
Property Address	5041 CENTER CT, SAINT CLOUD, FL 34772-8775
Document Number	0064151142
Book / Page	6415 / 1142
Map Reference	MB 30 PG 97-99
Instrument Date	May 23, 2023
Instrument	2023068835
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,147.80
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	5041 CENTER CT, SAINT CLOUD, FL 34772-8775
Investor	Possibly a Property Investor

Mortgage

Document Number	0064151144
Date	May 30, 2023
Instrument	6415/1144

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2022
Property Address	5041 CENTER CT, SAINT CLOUD, FL 34772-8775
Document Number	0061490116
Book / Page	6149 / 116
Map Reference	MB 30 PG 97-99
Instrument Date	Feb 10, 2022
Instrument	2022023541
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$5,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,801.00 (-46.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$657,000 (+591.58%) Land $100,000 Building $557,000	$657,000 (+591.58%) Land $100,000 Building $557,000
2023	$3,369.00 (+8.68%)	$95,000 (+18.75%) Land $95,000	$95,000 (+18.75%) Land $95,000
2022	$3,100.00	$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
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 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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 303 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, Lumen Technologies.

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