5100 Arrapahoe St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5100 Arrapahoe St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1992
Lot Size	0.325 acres (14,157 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Sep 2023)
Tax Bill	$4,661 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-4260-0234-0040`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4260-0234-0040`
Alternative APNs	`253117426002340040` `91191`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,116 sqft
1st Floor Area	1,638 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,157 sqft (0.325 acres)
Lot Dimensions	123 ft deep x 109 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	16 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5100 ARRAPAHOE ST
City	SAINT CLOUD
State	FL
Zip	34771-7824
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 234 LOTS 4 & 5
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP OF
Legal Tract	4260
Legal Block	234
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43700

Owner

Source: Osceola County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5100 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2023	Warranty Deed, Transfer · Conventional Mortgage TY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2023 · Amount on Record
Deed Sale	Sep 22, 2023 · Amount on Record
Prior Sale	May 23, 2023 · Amount on Record
Deed Document Number	2023125246
Deed Book / Page	6478 / 1595
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2023
Property Address	5100 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7824
Document Number	0064781595
Book / Page	6478 / 1595
Map Reference	MB 1 PG 71&72
Instrument Date	Sep 21, 2023
Instrument	2023125246
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	EXPRESS TITLE, EXPRESS TTL & CLOSING SVCS L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 AVOCADO ST, SAINT CLOUD, FL 34769-1653

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7824

Mortgage

Document Number	0064781597
Date	Sep 22, 2023
Instrument	6478/1597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 23, 2023
Property Address	5100 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7824
Document Number	0064120274
Book / Page	6412 / 274
Map Reference	MB 1 PG 71&72
Instrument Date	May 18, 2023
Instrument	2023066068
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 BLUFF DR, EAST ROCHESTER, NY 14445-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 AVOCADO ST, SAINT CLOUD, FL 34769-1653

Mortgage

Document Number	0064120277
Date	May 23, 2023
Book Page	6412/277
Instrument	2023066069

Lender

Name	TY MORTGAGE LLC
Address	MIAMI, FL 33131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

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	$4,661.00 (+4.84%)	$325,884 (+17.95%)	$352,400 (+27.54%) Land $65,000 Building $287,400
2024	$4,446.00 (-0.76%)
2023	$4,480.00 (+151.97%)	$276,300 (+119%) Land $60,000 Building $216,300	$276,300 (+13.84%) Land $60,000 Building $216,300
2022	$1,778.00 Homeowner's exemption	$126,164	$242,700 Land $60,000 Building $182,700

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

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 Record 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

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.

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