5105 Rain Shadow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5105 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified June 2026

Property Highlights

Property Type	Vacant Land > Uncategorized
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Last Sale	$510,000 (2026)
Tax Bill	$2,829.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`21-26-30-0133-0001-1270`
Alternative APN	`263021013300011270`

Exterior

Lot Area	6,098 sqft (0.14 acres)

Location & Zoning

Street Address	5105 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 127
Legal Subdivision	EDEN AT CROSS PRAIRIE PHASE 2
Legal Lot Number	127
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 21-26-30-0133-0001-1270

Assessment roll updated November 26, 2025 · Last verified June 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	5105 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	Jun 04, 2026 · Amount on Record
Deed Sale	Jun 04, 2026 · Amount on Record
Deed Doc Number	202673231
Deed Book / Page	6982 / 881
Record Refreshed	Sep 20, 2026

June 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 04, 2026
Property Address	5105 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6361
Document Number	0000073231
Book / Page	6982 / 881
Instrument Date	May 28, 2026
Instrument	202673231
Record Updated	Jun 12, 2026
Title Company	MI TITLE, M/I TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5105 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6361

Mortgage

Document Number	0000073232,
Date	Jun 04, 2026
Instrument	202673232

Lender

Name	CHAMPIONS FUNDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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	$2,829.00 (+10.59%)	$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.