5042 Coveview Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5042 Coveview Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,774 sqft · built 2005
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jan 2016)
Tax Bill	$4,714 (2025)
Deeds & Mortgages	Feb 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`07-25-31-3885-0001-0890`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-3885-0001-0890`
Alternative APNs	`253107388500010890` `122373`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,774 sqft Living Area
Gross Area	3,666 sqft
1st Floor Area	2,774 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,280 sqft (0.236 acres)
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	390 sqft
Porch	Finished/Open Porch
Porch Area	312 sqft
Deck Area	571 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5042 COVEVIEW DR
City	SAINT CLOUD
State	FL
Zip	34771-7963
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE POINTE PB 16 PGS 90-92 LOT 89
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	890
Legal Lot Number	89
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	43600

Owner

Source: Osceola County records · APN 07-25-31-3885-0001-0890

Assessment roll updated 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	2 Individual Names on File
Mailing Address	5042 COVEVIEW DR, SAINT CLOUD, FL 34771-7963
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 05, 2016 · Amount on Record
Deed Sale	Jan 05, 2016 · Amount on Record
Prior Sale	Apr 15, 2015
Deed Document Number	20161070
Deed Book / Page	4894 / 2162
Prior Transfer Date	Mar 08, 2009
Prior Transfer Doc	0038380975
Record Updated	Jun 08, 2026

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5042 COVEVIEW DR, SAINT CLOUD, FL 34771-7963
Document Number	0056862252
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5042 COVEVIEW DR ST CLOUD FL 347717963, ST CLOUD, FL 34771-7963

Mortgage

Document Number	0056862252
Date	Mar 05, 2020
Book Page	005686/002252
Instrument	32676

Lender

Name	SUN WEST MTG
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 04, 2050

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,714.00 (+4.83%) Homeowner's exemption	$329,731 (+5.99%)	$494,000 (-2.56%) Land $90,000 Building $404,000
2024	$4,497.00 (+2.09%)
2023	$4,405.00 (+3.99%) Homeowner's exemption	$311,106 (+3%)	$507,000 (+16.1%) Land $90,000 Building $417,000
2022	$4,236.00 Homeowner's exemption	$302,045	$436,700 Land $80,000 Building $356,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 191 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 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.