5128 Marina Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5128 Marina Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,612 sqft · built 2017
Lot Size	0.469 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$196,800 (May 2019)
Tax Bill	$3,221 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`90471`

Property Details

APN / Parcel Number

Primary APN	`90471`
Alternative APN	`082531407500010300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Heated Area
1st Floor Area	1,612 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,473 sqft (0.469 acres)
Lot Dimensions	227 ft deep x 90 ft wide
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90471
Street Address	5128 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 30 & NEW MAP OF NARCOOSSEE PB 1 PG P73 N 37 FT LOT 33 ABUTTING ABOVE SAID LOT 30
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	MARINA CLUB EST
Legal Tract	4075
Legal Block	1
Legal Lot Number	30,33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

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
Mailing Address	5128 MARINA DR, SAINT CLOUD, FL 34771-7851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS
May 13, 2019	Warranty Deed, Transfer · VA Mortgage EMBRACE HM LOANS
Jan 4, 2017	Warranty Deed, Transfer THE CLOSING TABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on Record
Deed Sale	May 13, 2019 · Amount on Record
Prior Sale	Jan 4, 2017 · Amount on Record
Deed Document Number	2019060799
Deed Book / Page	5522 / 2184
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5128 MARINA DR, SAINT CLOUD, FL 34771-7851
Document Number	0057172573
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	MIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 MARINA DR ST CLOUD FL 347717851, ST CLOUD, FL 34771-7851

Mortgage

Document Number	0057172573
Date	May 5, 2020
Book Page	005717/002573
Instrument	60296

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2019
Property Address	5128 MARINA DR, SAINT CLOUD, FL 34771-7851
Document Number	0055222184
Book / Page	005522 / 002184
Instrument Date	Apr 26, 2019
Instrument	60799
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,377.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 BEL AIR CIR KISSIMMEE FL 347435928, KISSIMMEE, FL 34743-5928

Mortgage

Document Number	55222187
Date	May 13, 2019
Book Page	005522/002187
Instrument	60800

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2017
Property Address	5128 MARINA DR, SAINT CLOUD, FL 34771-7851
Document Number	0050792643
Book / Page	005079 / 002643
Instrument Date	Dec 28, 2016
Instrument	1107
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	THE CLOSING TABLE

Transaction

Amount	Amount Recorded
Tax	$301.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5128 MARINA DR ST CLOUD FL 347717851, ST CLOUD, FL 34771-7851

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	$3,221.00 (-6.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$227,200 (-8.42%) Land $75,000 Building $152,200	$227,200 (-8.42%) Land $75,000 Building $152,200
2023	$3,451.00 (+36.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$248,100 (+55.94%) Land $75,000 Building $173,100	$248,100 (+55.94%) Land $75,000 Building $173,100
2022	$2,529.00	$159,100 Land $33,300 Building $125,800	$159,100 Land $33,300 Building $125,800

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 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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 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.

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 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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