Osceola County property record for 5045 Coveview Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,168 sqft · built 2006 |
| Lot Size | 0.222 acres (9,670 sqft) |
| Owner | Individual Name on File |
| Last Sale | $569,500 (May 2023) |
| Tax Bill | $6,092 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 07-25-31-3885-0001-0770 |
| Primary APN | 07-25-31-3885-0001-0770 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,168 sqft Living Area |
| Gross Area | 3,068 sqft |
| 1st Floor Area | 2,168 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,670 sqft (0.222 acres) |
| Garage Type | Attached |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 36 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 268 sqft |
| Deck Area | 884 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5045 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 77 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 07 |
| Legal Subdivision | LAKE POINTE |
| Legal Tract | 3885 |
| Legal Block | 770 |
| Legal Lot Number | 77 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records · APN 07-25-31-3885-0001-0770
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 | Individual Name on File |
|---|---|
| Mailing Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 30, 2020 | Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Oct 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 23, 2023 · Amount on Record |
| Deed Sale | May 23, 2023 · Amount on Record |
| Prior Sale | Apr 25, 2006 · Amount on Record |
| Deed Document Number | 202365735 |
| Deed Book / Page | 6411 / 2144 |
| Prior Transfer Date | Oct 13, 2020 |
| Prior Transfer Doc | 0058192466 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 23, 2023 |
| Property Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Document Number | 0064112144 |
| Book / Page | 6411 / 2144 |
| Map Reference | MB 16 PG 90-92 |
| Instrument Date | May 18, 2023 |
| Instrument | 2023065735 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Title Company | RIDGE TITLE AGENCY LLC, IDEAL TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,986.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Name | Verified Name |
|---|---|
| Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Document Number | 0064112146 |
|---|---|
| Date | May 23, 2023 |
| Instrument | 6411/2146 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | IDEAL TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Document Number | 0058402782 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 5840/2782 |
| Instrument | 2020162025 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 26, 2020 |
| Property Address | 5045 COVEVIEW DR, SAINT CLOUD, FL 34771-7966 |
| Document Number | 0058192466 |
| Book / Page | 005819 / 002466 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 144910 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5045 COVEVIEW DR ST CLOUD FL 347717966, ST CLOUD, FL 34771-7966 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,092.00 (-2.76%) Homeowner's exemption | $429,200 (+112.89%) Land $90,000 Building $339,200 | $429,200 (-2.96%) Land $90,000 Building $339,200 |
| 2024 | $6,265.00 (+117.84%) | ||
| 2023 | $2,876.00 (+4.58%) Homeowner's exemption | $201,607 (+3%) | $442,300 (+16.52%) Land $90,000 Building $352,300 |
| 2022 | $2,750.00 Homeowner's exemption | $195,735 | $379,600 Land $80,000 Building $299,600 |
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
| 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 |
|
| 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.
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.
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 |
| 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.
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