Osceola County property record for 5065 Arrapahoe St, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,578 sqft · built 1992 |
| Lot Size | 0.632 acres (27,573 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,500 (Oct 1992) |
| Tax Bill | $4,185 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 91163 |
| Primary APN | 91163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,578 sqft Heated Area |
| Gross Area | 2,145 sqft |
| 1st Floor Area | 1,578 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 27,573 sqft (0.632 acres) |
| Lot Dimensions | 133 ft deep x 106 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 126 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 91163 |
|---|---|
| Street Address | 5065 ARRAPAHOE ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7898 |
| 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 LOTS 2, 3, 8 & 9 AND VAC ALLEY ABUTTING LOTS 2, 3, 8 & 9 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | NARCOOSSEE NEW MAP |
| Legal Tract | 4260 |
| Legal Block | 220 |
| Legal Lot Number | 2-3,8-9 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43700 |
5065 Arrapahoe St is owned and occupied by two individuals who bought it in October 1992.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5065 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7898 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 1992 · Amount on File |
| Deed Sale | Oct 30, 1992 · Amount on File |
| Deed Document Number | 0010941013 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 5065 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7898 |
| Document Number | 0000096394 |
| Book / Page | 7008 / 1564 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202696394 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 5065 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7898 |
| Document Number | 0000096394, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 7008/1564 |
| Instrument | 202696394 |
| Name | MCCOY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 21, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 5065 Arrapahoe St was $4,185 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,185.00 Homeowner's exemption | $140,274 | $340,000 Land $71,500 Building $268,500 |
| 2023 | $4,003.00 (+2.69%) Homeowner's exemption | $132,351 (+3%) | $272,300 (+14.17%) Land $66,000 Building $206,300 |
| 2022 | $3,898.00 Homeowner's exemption | $128,497 | $238,500 Land $66,000 Building $172,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5065 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 |
|
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 risk around 5065 Arrapahoe St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 211 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile, Xfinity.
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