5117 Tiber Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5117 Tiber Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,185 sqft · built 2015
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2021)
Tax Bill	$5,664 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531425800010960`

Property Details

APN / Parcel Number

Primary APN	`202531425800010960`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,185 sqft Heated Area
Gross Area	2,845 sqft
1st Floor Area	1,407 sqft
Upper Floors Area	778 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Depth	115 ft Depth
Garage Type	Finished
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	208 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5117 TIBER WAY
City	SAINT CLOUD
State	FL
Zip	34771-7910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE VILLAGE PH 1 PB 22 PG 141-145 LOT 96
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE VILLAGE
Legal Phase	1
Legal Tract	4258
Legal Block	1
Legal Lot Number	96
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43700

Owner

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

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
Co-owner	Verified Secondary Owner
Mailing Address	1505 BIRCHWOOD CT, NORTH BRUNSWICK, NJ 08902-1933
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Mar 16, 2017	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 2021 · Amount on Record
Deed Sale	May 24, 2021 · Amount on Record
Prior Sale	Mar 16, 2017 · Amount on Record
Deed Document Number	2021079517
Deed Book / Page	5964 / 975
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5117 TIBER WAY, SAINT CLOUD, FL 34771-7910
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 TIBER WAY, SAINT CLOUD, FL 34771-7910

Mortgage

Document Number	0058091004
Date	Oct 9, 2020
Book Page	5809/1004
Instrument	2020135728

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Apr 1, 2047

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2021
Property Address	5117 TIBER WAY, SAINT CLOUD, FL 34771-7910
Document Number	0059640975
Book / Page	5964 / 975
Map Reference	MB 22 PG 141
Instrument Date	May 19, 2021
Instrument	2021079517
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST TITLE AND TRUST INC, FIRST FLORIDA TITLE & TR INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5117 TIBER WAY, 5117, SAINT CLOUD, FL 34771-7910

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1505 BIRCHWOOD CT, NEW BRUNSWICK, NJ 08902-1933

Mortgage

Document Number	0005964976
Date	May 24, 2021
Instrument	5964/976

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2017
Property Address	5117 TIBER WAY, SAINT CLOUD, FL 34771-7910
Document Number	0051172612
Book / Page	5117 / 2612
Map Reference	MB22 PG141
Instrument Date	Mar 10, 2017
Instrument	2017040807
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	EQUITABLE TITEL OF DR PHILLI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6196 WAYSIDE RD, 6196, CHRISTIANA, TN 37037-5438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 TIBER WAY, SAINT CLOUD, FL 34771-7910

Mortgage

Document Number	0051172614
Date	Mar 16, 2017
Book Page	5117/2614
Instrument	2017040808

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,664.00 (+1.51%)	$357,400 (-2.46%) Land $75,000 Building $282,400	$357,400 (-2.46%) Land $75,000 Building $282,400
2023	$5,580.00 (+11.73%)	$366,400 (+15.91%) Land $65,000 Building $301,400	$366,400 (+15.91%) Land $65,000 Building $301,400
2022	$4,994.00	$316,100 Land $60,000 Building $256,100	$316,100 Land $60,000 Building $256,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

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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