5118 Tiber Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5118 Tiber Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,664 sqft · built 2017
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2017)
Tax Bill	$3,643 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531425800010730`

Property Details

APN / Parcel Number

Primary APN	`202531425800010730`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Heated Area
Gross Area	2,338 sqft
1st Floor Area	1,664 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5118 TIBER WAY
City	SAINT CLOUD
State	FL
Zip	34771-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE VILLAGE PH 1 PB 22 PG 141-145 LOT 73
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	73
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3023
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Apr 20, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on Record
Deed Sale	Apr 20, 2017 · Amount on Record
Deed Document Number	0051351640
Deed Book / Page	5135 / 1640
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902

Mortgage

Document Number	0063391536
Date	Jan 3, 2023
Book Page	6339/1536
Instrument	2023000700

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902
Transaction Type	Mortgage
Record Updated	Apr 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902

Mortgage

Document Number	0061812163
Date	Mar 29, 2022
Book Page	6181/2163
Instrument	2022049474

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2052

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2017
Property Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902
Document Number	0051351640
Book / Page	5135 / 1640
Map Reference	MB22 PG141
Instrument Date	Apr 20, 2017
Instrument	2017059123
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 NEW BROAD ST STE 250, 4776, ORLANDO, FL 32814-6431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 TIBER WAY, SAINT CLOUD, FL 34771-7902

Mortgage

Document Number	0051351642
Date	Apr 20, 2017
Instrument	5135/1642

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	$3,643.00 (+5.29%) Homeowner's exemption	$252,428 (+2.9%)	$326,700 (-6.15%) Land $75,000 Building $251,700
2024	$3,460.00 (+2.16%) Homeowner's exemption	$245,314 (+3%)	$348,100 (+4.47%) Land $75,000 Building $273,100
2023	$3,387.00 Homeowner's exemption	$238,169	$333,200 Land $65,000 Building $268,200

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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