Osceola County property record for 5148 Gardenrow Dr, Saint Cloud, FL 34772 · Last verified June 2026
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,200 (May 2026) |
| Tax Bill | $2,874 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-26-31-5268-0001-1402 |
| Primary APN | 17-26-31-5268-0001-1402 |
|---|---|
| Alternative APN |
|
| Lot Area | 5,227 sqft (0.12 acres) |
|---|
| Street Address | 5148 GARDENROW DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7998 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | TWIN LAKES PH 4A PB 35 PGS 179-183 LOT 1402 |
| Legal Subdivision | TWIN LAKES PHASE 4A |
| Legal Lot Number | 1402 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 43301 |
Source: Osceola County records · APN 17-26-31-5268-0001-1402
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5148 GARDENROW DR, SAINT CLOUD, FL 34772-7998 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 20, 2026 · Amount on Record |
| Deed Sale | May 20, 2026 · Amount on Record |
| Deed Document Number | 202666448 |
| Deed Book / Page | 6974 / 1132 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 20, 2026 |
| Property Address | 5148 GARDENROW DR, SAINT CLOUD, FL 34772-7998 |
| Document Number | 0000066448 |
| Book / Page | 6974 / 1132 |
| Instrument Date | May 15, 2026 |
| Instrument | 202666448 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211,534.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5148 GARDENROW DR, SAINT CLOUD, FL 34772-7998 |
| Document Number | 0000066449, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 6974/1134 |
| Instrument | 202666449 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,874.00 | $85,000 Land $85,000 | $85,000 Land $85,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 173 individual NFIP policies nearby |
| 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, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 318 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 65 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Fiber | 1,000 / 1,000 |
May also be available at this address: AT&T, Xfinity, Verizon, Spectrum, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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