5087 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5087 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified May 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$490,000 (2026)
Tax Bill	$2,558.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-0133-0001-1300`
Alternative APN	`263021013300011300`

Exterior

Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	5087 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6361
Property Usage	Vacant Land Property Usage
Type	Vacant Land > Uncategorized
Legal Description	EDEN AT CROSS PRAIRIE PH 2 PB 35 PGS 56-56 LOT 130
Legal Subdivision	EDEN AT CROSS PRAIRIE PHASE 2
Legal Lot Number	130
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-0133-0001-1300

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	Individual Name on File
Mailing Address	5087 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6361
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Deed Doc Number	202651141
Deed Book / Page	6957 / 621
Record Refreshed	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 17, 2026
Property Address	5087 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6361
Document Number	0069570621
Book / Page	6957 / 621
Instrument Date	Apr 16, 2026
Instrument	2026.51141
Transaction Type	Transfer
Record Updated	May 04, 2026
Title Company	MI TITLE, M/I TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5087 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6361

Mortgage

Document Number	0000051142,
Date	Apr 17, 2026
Book Page	6957/623
Instrument	2026.51142

Lender

Name	OMNI FINANCIAL LLC

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6%
Max Rate	-1%

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		$65,000 Land $65,000	$65,000 Land $65,000
2024	$2,558.00

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 AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	High above 86% of the US · above 79% of Florida
Wildfire Likelihood	About 1 in 158 per year
Exposure	Direct burnable vegetation at the parcel

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