5125 Star Line Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5125 Star Line Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,330 sqft · built 2000
Lot Size	5.59 acres (243,631 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Jun 2022)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-25-31-5144-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`29-25-31-5144-0001-0380`
Alternative APNs	`253129514400010380` `92848`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,330 sqft Living Area
Gross Area	4,597 sqft
1st Floor Area	1,330 sqft
Flooring	Tile
Interior Walls	Unfinished
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	243,631 sqft (5.59 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	361 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5125 STAR LINE DR
City	SAINT CLOUD
State	FL
Zip	34771-9029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	STARLINE ESTATES UNIT 2 PB 2 PG 220 BEG SELY COR LOT 38 N 38 DEG W 981.27 FT, S 40 DEG W 84.35 FT, S 20 DEG E 1012.34 FT TO N R/W STARLINE DR ALSO POC NELY RAD 846.95 FT, CENT ANG 42 DEG, NELY ALONG CURVE 259.55 FT, N 46 DEG E 153.63 FT TO POB AKA PA
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	STARLINE ESTATES UNIT 2
Legal Tract	5144
Legal Block	380
Legal Lot Number	38
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of August 21, 2026

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	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 30, 2025	Deed of Trust, Mortgage · Line of Credit EMPEOPLE CU
Jun 14, 2022	Warranty Deed, Transfer · Conventional Mortgage DEERE EMPLOYEES CU
Jun 29, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Prior Sale	Dec 16, 2015 · Amount on Record
Deed Document Number	202292952
Deed Book / Page	6232 / 2393
Prior Transfer Date	Aug 8, 2003
Prior Transfer Doc	2314001623
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0059952825
Date	Jul 6, 2021
Book Page	5995/2825
Instrument	2021104527

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068270248
Date	Jul 30, 2025
Book Page	6827/248
Instrument	2025094930

Lender

Name	EMPEOPLE CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2022
Property Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Document Number	0062322393
Book / Page	6232 / 2393
Map Reference	MB 2 PG 220
Instrument Date	Jun 13, 2022
Instrument	2022092952
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MAGNOLIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 STARLINE DR, SAINT CLOUD, FL 34771-9029

Mortgage

Document Number	0062322394
Date	Jun 14, 2022
Instrument	6232/2394

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0062351023
Date	Jun 17, 2022
Book Page	6235/1023
Instrument	2022095239

Lender

Name	DEERE EMPLOYEES CU
Type	Credit Union
Address	MOLINE, IL 61266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051720137
Date	Jun 29, 2017
Book Page	5172/0137
Instrument	2017095247

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 20, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5125 STAR LINE DR, SAINT CLOUD, FL 34771-9029
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055332370
Date	Jun 3, 2019
Book Page	5533/2370
Instrument	2019070688

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

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	$6,334.00 (+6.63%) Homeowner's exemption	$418,012 (+5.99%)	$511,800 (+29.77%) Land $201,200 Building $310,600
2023	$5,940.00 (+46.59%) Homeowner's exemption	$394,400 (+36.39%) Land $150,900 Building $243,500	$394,400 (+19.05%) Land $150,900 Building $243,500
2022	$4,052.00 Homeowner's exemption	$289,171	$331,300 Land $124,100 Building $207,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 A, within 100 ft
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	High above 76% of the US · above 64% of Florida
Wildfire Likelihood	0.5% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Spectrum.

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