5041 Hartwell Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5041 Hartwell Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,139 sqft · built 2017
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$475,000 (Jun 2020)
Tax Bill	$7,117 (2025)
Deeds & Mortgages	Oct 2025 Transfer Apr 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3734-0001-3510`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3734-0001-3510`
Alternative APN	`253108373400013510`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,139 sqft Living Area
Gross Area	5,219 sqft
1st Floor Area	2,675 sqft
Upper Floors Area	1,464 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5041 HARTWELL CT
City	SAINT CLOUD
State	FL
Zip	34771-7858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 3 PB 24 PG 88-93 LOT 351
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 3
Legal Phase	3
Legal Tract	3734
Legal Block	3510
Legal Lot Number	351
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 11, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 3, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Jun 9, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2020 · Amount on Record
Deed Sale	Jun 3, 2020 · Amount on Record
Prior Sale	Jun 9, 2017 · Amount on Record
Deed Document Number	202071014
Deed Book / Page	5731 / 537
Last Transfer Date	Oct 7, 2025
Transfer Doc	0068642461
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 15, 2025
Property Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858
Document Number	0068642461
Book / Page	6864 / 2461
Map Reference	MB 24 PG 88-93
Instrument Date	Oct 7, 2025
Instrument	2025127705
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055061230
Date	Apr 11, 2019
Book Page	5506/1230
Instrument	2019046078

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 23, 2039

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 3, 2020
Property Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858
Document Number	0057310537
Book / Page	005731 / 000537
Instrument Date	May 28, 2020
Instrument	71014
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15825 43RD PL N PLYMOUTH MN 554462716, PLYMOUTH, MN 55446-2716

Mortgage

Document Number	57310539
Date	Jun 3, 2020
Book Page	005731/000539
Instrument	71015

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 2, 2050

June 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2017
Property Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858
Document Number	0051612000
Book / Page	5161 / 2000
Map Reference	MB24 PG88-93
Instrument Date	May 26, 2017
Instrument	2017084406
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,225.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5041 HARTWELL CT, SAINT CLOUD, FL 34771-7858

Mortgage

Document Number	0051612002
Date	Jun 9, 2017
Instrument	5161/2002

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,117.00 (+4.31%)	$503,116 (+2.9%)	$633,300 (+3.51%) Land $78,800 Building $554,500
2024	$6,823.00 (+1.99%) Homeowner's exemption	$488,937 (+3%)	$611,800 (-2.32%) Land $78,800 Building $533,000
2023	$6,690.00 (+3.62%) Homeowner's exemption	$474,697 (+3%)	$626,300 (+18.71%) Land $78,800 Building $547,500
2022	$6,456.00 Homeowner's exemption	$460,871	$527,600 Land $63,000 Building $464,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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