5046 Down Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5046 Down Ct, Saint Cloud, FL 34772 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	3 Baths
Year Built	Built 2023
Square Footage	3,166 sqft Living Area
Lot Size	5,662 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$579,990 (2023)
Tax Bill	$9,753.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`20-26-31-0138-0001-4940`
Alternative APN	`263120013800014940`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,166 sqft Living Area
Gross Area	3,756 sqft Gross Area
1st Floor	1,362 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Tile Flooring

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional Style
Exterior Material	Combination Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached Garage
Garage Area	452 sqft Garage
Porch Area	90 sqft Porch

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	5046 DOWN CT
City	SAINT CLOUD
State	FL
Zip	34772-8784
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 5 PB 32 PGS 42-43 LOT 494
Legal Subdivision	HANOVER LAKES PHASE 5 A REPLAT
Legal Lot Number	494
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 20-26-31-0138-0001-4940

Assessment roll updated November 26, 2025 · Last verified May 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	5046 DOWN CT, SAINT CLOUD, FL 34772-8784
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Deed Doc Number	2023113217
Deed Book / Page	6465 / 481
Record Refreshed	Jun 08, 2026

August 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 28, 2023
Property Address	5046 DOWN CT, SAINT CLOUD, FL 34772-8784
Document Number	0064650481
Book / Page	6465 / 481
Map Reference	MB 32 PG 42&43
Instrument Date	Aug 25, 2023
Instrument	2023113217
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,060.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5046 DOWN CT, SAINT CLOUD, FL 34772-8784

Mortgage

Document Number	0006465483
Date	Aug 28, 2023
Instrument	6465/483

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,665.00 (-0.9%)	$488,400 (+414.11%) Land $100,000 Building $388,400	$488,400 (+414.11%) Land $100,000 Building $388,400
2024	$9,753.00 (+196.71%)
2023	$3,287.00 (+32.7%)	$95,000 (+9%) Land $95,000	$95,000 (+9%) Land $95,000
2022	$2,477.00	$50,000 Land $50,000	$50,000 Land $50,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 22% of Florida
Wildfire Likelihood	About 1 in 826 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.