5130 Helen Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5130 Helen Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,117 sqft · built 2018
Lot Size	0.759 acres (33,062 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Oct 2015)
Tax Bill	$6,295 (2025)
Deeds & Mortgages	Jan 2022 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-4985-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-4985-0001-0070`
Alternative APNs	`263120498500010070` `97940`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,117 sqft Living Area
Gross Area	3,745 sqft
1st Floor Area	1,632 sqft
Upper Floors Area	485 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,062 sqft (0.759 acres)
Lot Dimensions	334 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	872 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	756 sqft
Deck Area	660 sqft
Boat Access	Boat Access
Boat House	220 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5130 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 LOT 7 PB 2 PG 64
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	SHARPES ACRES
Legal Tract	4985
Legal Block	70
Legal Lot Number	7
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	Individual Name on Record
Mailing Address	5130 HELEN CT, SAINT CLOUD, FL 34772-9367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CFBANK NA
Aug 22, 2018	Deed of Trust, Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2015 · Amount on Record
Deed Sale	Oct 21, 2015 · Amount on Record
Prior Sale	May 25, 2011 · Amount on Record
Deed Document Number	2015157892
Deed Book / Page	4860 / 1808
Last Transfer Date	Dec 3, 2021
Transfer Doc	0061202453
Record Updated	Sep 20, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2022
Property Address	5130 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0061202453
Book / Page	6120 / 2453
Map Reference	MB 2 PG 64
Instrument Date	Dec 3, 2021
Instrument	2022000465
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2230 BARBARA DR, SAINT CLOUD, FL 34771-8827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5130 HELEN CT, SAINT CLOUD, FL 34772-9367

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5130 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0057611884
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5130 HELEN CT ST CLOUD FL 347729367, ST CLOUD, FL 34772-9367

Mortgage

Document Number	0057611884
Date	Jul 24, 2020
Book Page	005761/001884
Instrument	97078

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5130 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0053952507
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Sep 24, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5130 HELEN CT ST CLOUD FL 347729367, ST CLOUD, FL 34772-9367

Mortgage

Document Number	0053952507
Date	Sep 5, 2018
Book Page	005395/002507
Instrument	133610

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	PLANT CITY, FL 33563

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

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	$6,295.00 (+4.43%) Homeowner's exemption	$443,806 (+5.99%)	$486,600 (+1.44%) Land $157,000 Building $329,600
2024	$6,028.00 (+2.03%)
2023	$5,908.00 (+3.7%) Homeowner's exemption	$418,737 (+3%)	$479,700 (+10.73%) Land $157,000 Building $322,700
2022	$5,697.00 Homeowner's exemption	$406,541	$433,200 Land $157,000 Building $276,200

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
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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