5053 Arrapahoe St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5053 Arrapahoe St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,105 sqft · built 1995
Lot Size	0.782 acres (34,064 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Sep 2023)
Tax Bill	$4,226 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`91152`

Property Details

APN / Parcel Number

Primary APN	`91152`
Alternative APN	`172531426002180010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,105 sqft Heated Area
Gross Area	1,450 sqft
1st Floor Area	1,105 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2009
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,064 sqft (0.782 acres)
Lot Dimensions	123 ft deep x 106 ft wide
Garage Type	Finished
Garage Area	315 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	240 sqft
Porch	Open Porch
Porch Area	30 sqft
Deck Area	360 sqft
Patio Area	120 sqft
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	91152
Street Address	5053 ARRAPAHOE ST
City	SAINT CLOUD
State	FL
Zip	34771-7608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 218 LOTS 1 THRU 3, 9 & 10 & VAC ALLEY ABUTTING LOTS 1, 2, 9 & 10
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP
Legal Tract	4260
Legal Block	218
Legal Lot Number	1 2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43700

Owner

5053 Arrapahoe St is owned and occupied by an individual who bought it in September 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	5053 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7608
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2023 · Amount on File
Deed Sale	Sep 18, 2023 · Amount on File
Prior Sale	Jul 3, 2019 · Amount on File
Deed Document Number	2023122640
Deed Book / Page	6475 / 1819
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2023
Property Address	5053 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7608
Document Number	0064751819
Book / Page	6475 / 1819
Map Reference	MB 1 PG 71&72
Instrument Date	Sep 15, 2023
Instrument	2023122640
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5053 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5053 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7608

Mortgage

Document Number	0064751821
Date	Sep 18, 2023
Instrument	6475/1821

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2019
Property Address	5053 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7608
Document Number	0055512042
Book / Page	005551 / 002042
Instrument Date	Jul 1, 2019
Instrument	85937
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	PLATINUM TITLE/CTRL FL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5053 ARRAPAHOE ST ST CLOUD FL 347717608, ST CLOUD, FL 34771-7608

Mortgage

Document Number	55512044
Date	Jul 3, 2019
Book Page	005551/002044
Instrument	85938

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5053 Arrapahoe St was $4,226 with a homeowner's exemption.

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	$4,226.00 Homeowner's exemption	$294,499	$317,300 Land $60,800 Building $256,500
2023	$2,495.00 (+4.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$179,326 (+3%)	$255,800 (+13.34%) Land $56,100 Building $199,700
2022	$2,378.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$174,103	$225,700 Land $56,100 Building $169,600

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.

Flood

FEMA maps place 5053 Arrapahoe St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 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

Wildfire risk around 5053 Arrapahoe St is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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