5128 Tiber Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5128 Tiber Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,185 sqft · built 2017
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Sep 2017)
Tax Bill	$4,075 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`202531425800010780`

Property Details

APN / Parcel Number

Primary APN	`202531425800010780`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,185 sqft Heated Area
Gross Area	2,845 sqft
1st Floor Area	1,407 sqft
Upper Floors Area	778 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
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	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	208 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5128 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 78
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	78
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	5128 TIBER WAY, SAINT CLOUD, FL 34771-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 22, 2017	Special Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2017 · Amount on Record
Deed Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	2017134042
Deed Book / Page	5211 / 0404
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5128 TIBER WAY, SAINT CLOUD, FL 34771-7902
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 TIBER WAY, SAINT CLOUD, FL 34771-7902

Mortgage

Document Number	0058972602
Date	Feb 24, 2021
Book Page	5897/2602
Instrument	2021027014

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2017
Property Address	5128 TIBER WAY, SAINT CLOUD, FL 34771-7902
Document Number	0052110404
Book / Page	5211 / 0404
Map Reference	MB22 PG141
Instrument Date	Sep 20, 2017
Instrument	2017134042
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
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	5128 TIBER WAY, SAINT CLOUD, FL 34771-7902

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	$4,075.00 (+7.32%) Homeowner's exemption	$283,596 (+5.99%)	$364,500 (-2.36%) Land $75,000 Building $289,500
2023	$3,797.00 (+4.14%) Homeowner's exemption	$267,577 (+3%)	$373,300 (+15.82%) Land $65,000 Building $308,300
2022	$3,646.00 Homeowner's exemption	$259,784	$322,300 Land $60,000 Building $262,300

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 60% of the US · lower than 66% 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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