5043 Coveview Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5043 Coveview Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,759 sqft · built 2005
Lot Size	0.217 acres (9,452 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Feb 2018)
Tax Bill	$4,839 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`07-25-31-3885-0001-0760`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-3885-0001-0760`
Alternative APNs	`253107388500010760` `122360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,759 sqft Living Area
Gross Area	3,609 sqft
1st Floor Area	1,403 sqft
Upper Floors Area	1,356 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,452 sqft (0.217 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	602 sqft
Porch	Florida Room
Porch Area	220 sqft
Deck Area	999 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5043 COVEVIEW DR
City	SAINT CLOUD
State	FL
Zip	34771-7966
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE POINTE PB 16 PGS 90-92 LOT 76
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	760
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

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

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	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 23, 2020	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Feb 19, 2018	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 19, 2018 · Amount on Record
Deed Sale	Feb 19, 2018 · Amount on Record
Prior Sale	Dec 22, 2008 · Amount on Record
Deed Document Number	201828057
Deed Book / Page	5288 / 162
Prior Transfer Date	Feb 21, 2007
Prior Transfer Doc	0034150750
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Transaction Type	Mortgage
Record Updated	Jun 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number	0064100319
Date	May 19, 2023
Book Page	6410/319
Instrument	2023064280

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 25, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Document Number	0057310726
Instrument Date	May 23, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5043 COVEVIEW DR ST CLOUD FL 347717966, ST CLOUD, FL 34771-7966

Mortgage

Document Number	0057310726
Date	Jun 3, 2020
Book Page	005731/000726
Instrument	71092

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 19, 2018
Property Address	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966
Document Number	0052880162
Book / Page	5288 / 0162
Map Reference	MB16 PG90
Instrument Date	Feb 14, 2018
Instrument	2018028057
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 E DRURY AVE, 310, KISSIMMEE, FL 34744-5705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5043 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number	2018028058
Date	Feb 19, 2018
Instrument	2018028058

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	$4,839.00 (+4.79%) Homeowner's exemption	$338,724 (+5.99%)	$503,100 (-1.89%) Land $90,000 Building $413,100
2024	$4,618.00 (+2.08%)
2023	$4,524.00 (+3.98%) Homeowner's exemption	$319,591 (+3%)	$512,800 (+15.03%) Land $90,000 Building $422,800
2022	$4,351.00 Homeowner's exemption	$310,283	$445,800 Land $80,000 Building $365,800

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 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

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 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 191 locations within half a mile, as of December 31, 2025

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.

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