5098 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5098 Rain Shadow Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$309,990 (Aug 2025)
Tax Bill	$1,948 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
APN	`212630013300011920`

Property Details

APN / Parcel Number

Primary APN	`212630013300011920`

Exterior

Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Street Address	5098 RAIN SHADOW DR
City	SAINT CLOUD
State	FL
Zip	34772-6360
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	EDEN AT CROSS PRAIRIE PH 2 PB 35 PGS 56-56 LOT 192
Legal Phase	2
Legal Lot Number	192
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

Owner

5098 Rain Shadow Dr, residential vacant land, is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5098 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6360
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on File
Deed Sale	Aug 14, 2025 · Amount on File
Deed Document Number	2025101345
Deed Book / Page	6834 / 2001
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2025
Property Address	5098 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6360
Document Number	0068342001
Book / Page	6834 / 2001
Map Reference	MB 35 PG 55&56
Instrument Date	Aug 13, 2025
Instrument	2025101345
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, MI TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5098 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6360

Mortgage

Document Number	0068342003
Date	Aug 14, 2025
Instrument	6834/2003

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 5098 Rain Shadow Dr was $1,948.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,948.00	$44,000 Land $44,000	$44,000 Land $44,000

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

Flood

There have been 4 flood claims near 5098 Rain Shadow Dr since 2011.

Source: OpenFEMA NFIP redacted claims and policies, as of September 2026

Flood Insurance Cost	Premium on File median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 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.