5072 Arrapahoe St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5072 Arrapahoe St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,574 sqft · built 1994
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Feb 2023)
Tax Bill	$4,366 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-4260-0235-0040`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4260-0235-0040`
Alternative APNs	`253117426002350040` `91198`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	1,754 sqft
1st Floor Area	1,156 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	123 ft deep x 109 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	418 sqft
Patio Area	48 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5072 ARRAPAHOE ST
City	SAINT CLOUD
State	FL
Zip	34771-7823
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 235 LOTS 4 THRU 7
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	235
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43700

Owner

5072 Arrapahoe St is owned and occupied by two individuals who bought it in February 2023.

Source: Osceola County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9382 MUSTARD LEAF DR, ORLANDO, FL 32827-7082
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 28, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 7, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2023 · Amount on File
Deed Sale	Feb 7, 2023 · Amount on File
Prior Sale	Dec 3, 2008 · Amount on File
Deed Document Number	202315001
Deed Book / Page	6354 / 2875
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2026
Property Address	5072 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7823
Document Number	0000124489
Book / Page	7040 / 1157
Instrument Date	Sep 22, 2026
Instrument	2026124489
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5072 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7823

Mortgage

Document Number	0000124489,
Date	Sep 28, 2026
Book Page	7040/1157
Instrument	2026124489

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2023
Property Address	5072 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7823
Document Number	0063542875
Book / Page	6354 / 2875
Map Reference	MB 1 PG 71
Instrument Date	Jan 31, 2023
Instrument	2023015001
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5072 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7823

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9382 MUSTARD LEAF DR, ORLANDO, FL 32827-7082

Mortgage

Document Number	0063542877
Date	Feb 7, 2023
Instrument	6354/2877

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 5072 Arrapahoe St was $4,366 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 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	$4,366.00 Homeowner's exemption	$304,584	$330,600 Land $71,500 Building $259,100
2023	$1,825.00 (+17.67%) Homeowner's exemption	$126,349 (+14.91%)	$264,900 (+21.74%) Land $66,000 Building $198,900
2022	$1,551.00 Homeowner's exemption	$109,951	$217,600 Land $66,000 Building $151,600

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 5072 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 5072 Arrapahoe St is moderate, ranking above 58% 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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

Nearby Properties on Arrapahoe St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures