Osceola County property record for 5118 Marina Dr, Saint Cloud, FL 34771
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1982 |
| Lot Size | 0.469 acres (20,429 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Jul 2021) |
| Tax Bill | $1,916 (2025) |
| Deeds & Mortgages | Jul 2021 Second Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 08-25-31-4075-0001-0270 |
| Primary APN | 08-25-31-4075-0001-0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Gross Area | 1,720 sqft |
| 1st Floor Area | 1,620 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,429 sqft (0.469 acres) |
| Lot Dimensions | 227 ft deep x 90 ft wide |
| Garage Type | Carport |
| Garage Area | 360 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open/Unfinished Porch |
|---|---|
| Porch Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5118 MARINA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7851 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OAR1 |
| Legal Description | MARINA CLUB ESTATE PB 2 PG 150 LOT 27 & NEW MAP OF NARCOOSSEE PB 1 PG 73 N 37 FT LOT 33 ABUTTING ABOVE SAID LOT 27 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 08 |
| Legal Subdivision | MARINA CLUB ESTATES |
| Legal Tract | 4075 |
| Legal Block | 270 |
| Legal Lot Number | 27 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of November 26, 2025
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 | 5118 MARINA DR, SAINT CLOUD, FL 34771-7851 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONAL HOMEBUYERS FUND INC |
| Jul 1, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2021 · Amount on Record |
| Deed Sale | Jul 1, 2021 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Document Number | 2021102984 |
| Deed Book / Page | 5993 / 1955 |
| Prior Transfer Date | Jun 24, 2021 |
| Prior Transfer Doc | 0059931955 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5118 MARINA DR, SAINT CLOUD, FL 34771-7851 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5118 MARINA DR, SAINT CLOUD, FL 34771-7851 |
| Document Number | 0059931975 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | 5993/1975 |
| Instrument | 2021102986 |
| Name | NATIONAL HOMEBUYERS FUND INC |
|---|---|
| Type | Mortgage Company |
| Address | SACRAMENTO, CA 95814 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 5118 MARINA DR, SAINT CLOUD, FL 34771-7851 |
| Document Number | 0059931955 |
| Book / Page | 5993 / 1955 |
| Map Reference | MB 2 PG 150 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 2021102984 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1227 MATTERHORN RUN, 1227, MURFREESBORO, TN 37130-8172 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5118 MARINA DR, SAINT CLOUD, FL 34771-7851 |
| Document Number | 0059931957 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 5993/1957 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,916.00 (+7.22%) Homeowner's exemption | $127,724 (+5.99%) | $182,900 (-4.94%) Land $75,000 Building $107,900 |
| 2024 | $1,787.00 (+2.52%) | ||
| 2023 | $1,743.00 (+5.64%) Homeowner's exemption | $120,510 (+3%) | $192,400 (+64.44%) Land $75,000 Building $117,400 |
| 2022 | $1,650.00 Homeowner's exemption | $117,000 Land $33,300 Building $83,700 | $117,000 Land $33,300 Building $83,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Hotwire Communications.
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