5120 Helen Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5120 Helen Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,160 sqft · built 1974
Lot Size	0.794 acres (34,586 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4985-0001-0080`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4985-0001-0080`
Alternative APNs	`263120498500010080` `97941`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,160 sqft Living Area
Gross Area	4,304 sqft
1st Floor Area	2,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,586 sqft (0.794 acres)
Lot Dimensions	339 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,584 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Florida Room
Porch Area	560 sqft
Deck Area	396 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5120 HELEN CT
City	SAINT CLOUD
State	FL
Zip	34772-9367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	SHARPES ACRES PB 2 PG 64 LOT 8
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	SHARPES ACRES
Legal Tract	4985
Legal Block	80
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43301

Owner

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 Company Names on Record
Mailing Address	5120 HELEN CT, SAINT CLOUD, FL 34772-9367
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 20, 2023
Transfer Doc	0065230080
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5120 HELEN CT, SAINT CLOUD, FL 34772-9367
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061450608
Date	Feb 7, 2022
Book Page	6145/608
Instrument	2022020542

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2023
Property Address	5120 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0065230080
Book / Page	6523 / 80
Map Reference	MB B PG 33&34
Instrument Date	Dec 20, 2023
Instrument	2023166019
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 13TH ST, SAINT CLOUD, FL 34769-4616

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5120 HELEN CT, SAINT CLOUD, FL 34772-9367

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	$2,744.00 (+5.86%)	$216,163 (+5.99%)	$425,200 (+2.93%) Land $157,000 Building $268,200
2024	$2,592.00 (+2.17%)
2023	$2,537.00 (+4.19%) Homeowner's exemption	$203,953 (+3%)	$413,100 (+9.55%) Land $157,000 Building $256,100
2022	$2,435.00 Homeowner's exemption	$198,013	$377,100 Land $157,000 Building $220,100

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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