5044 Hartwell Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5044 Hartwell Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 4,031 sqft · built 2020
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Nov 2021)
Tax Bill	$9,538 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373400013480`

Property Details

APN / Parcel Number

Primary APN	`082531373400013480`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,031 sqft Heated Area
Gross Area	4,758 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	35 sqft
Porch	Open Porch
Deck Area	575 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5044 HARTWELL CT
City	SAINT CLOUD
State	FL
Zip	34771-7936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 3 PB 24 PG 88-93 LOT 348
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE
Legal Phase	3
Legal Tract	3734
Legal Lot Number	348
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2811 ARNOLD PALMER CT, SHALIMAR, FL 32579-2238
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Mar 4, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC
Jan 11, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Mar 4, 2020 · Amount on Record
Deed Document Number	2021175016
Deed Book / Page	6084 / 148
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 10, 2021
Property Address	5044 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Document Number	0060840148
Book / Page	6084 / 148
Map Reference	MB 24 PG 88-93
Instrument Date	Nov 8, 2021
Instrument	2021175016
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2647 BALSAM WAY DR, 2647, STERLING HEIGHTS, MI 48314-2739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 ARNOLD PALMER CT, SHALIMAR, FL 32579-2238

Mortgage

Document Number	0006084150
Date	Nov 10, 2021
Instrument	6084/150

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2020
Property Address	5044 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Document Number	0056852923
Book / Page	5685 / 2923
Map Reference	MB 24 PG 88-93
Instrument Date	Mar 3, 2020
Instrument	2020032014
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,436.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5044 HARTWELL CT, SAINT CLOUD, FL 34771-7936

Mortgage

Document Number	0056852925
Date	Mar 4, 2020
Instrument	5685/2925

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2017
Property Address	5044 HARTWELL CT, SAINT CLOUD, FL 34771-7936
Document Number	0050842246
Book / Page	005084 / 002246
Instrument Date	Jan 11, 2017
Instrument	6658
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$30,352.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4901 VINELAND RD #500 ORLANDO FL 328117383, 500, ORLANDO, FL 32811-7383
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
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,538.00 (+3.38%)	$637,000 (+1.38%) Land $88,000 Building $549,000	$637,000 (+1.38%) Land $88,000 Building $549,000
2023	$9,226.00 (+11.09%)	$628,300 (+13.62%) Land $88,000 Building $540,300	$628,300 (+13.62%) Land $88,000 Building $540,300
2022	$8,305.00	$553,000 Land $88,000 Building $465,000	$553,000 Land $88,000 Building $465,000

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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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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