5150 Gardenrow Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5150 Gardenrow Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Vacant Land
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on File
Last Sale	$292,000 (Apr 2026)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-26-31-5268-0001-1401`

Property Details

APN / Parcel Number

Primary APN	`17-26-31-5268-0001-1401`
Alternative APN	`263117526800011401`

Exterior

Lot Area	4,791 sqft (0.11 acres)

Location & Zoning

Street Address	5150 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 1401
Legal Subdivision	TWIN LAKES PHASE 4A
Legal Lot Number	1401
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43301

Owner

5150 Gardenrow Dr, vacant land, is owned and occupied by two individuals who bought it in April 2026.

Source: Osceola County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5150 GARDENROW DR, SAINT CLOUD, FL 34772-7998
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Special Warranty Deed · Conventional Mortgage PULTE MORTGAGE LLC
Apr 8, 2026	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on File
Deed Sale	Apr 8, 2026 · Amount on File
Deed Document Number	202647299
Deed Book / Page	6952 / 2079
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2026
Property Address	5150 GARDENROW DR, SAINT CLOUD, FL 34772-7998
Document Number	0000047299
Book / Page	6952 / 2079
Instrument Date	Mar 25, 2026
Instrument	202647299
Record Updated	Apr 17, 2026
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206,444.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5150 GARDENROW DR, SAINT CLOUD, FL 34772-7998
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047302,
Date	Apr 8, 2026
Instrument	202647302

Lender

Name	PULTE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2026
Property Address	5150 GARDENROW DR, SAINT CLOUD, FL 34772-7998
Document Number	0069522079
Book / Page	6952 / 2079
Instrument Date	Mar 25, 2026
Instrument	202647299
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 27, 2026
Title Company	PGP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$206,444.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5150 GARDENROW DR, SAINT CLOUD, FL 34772-7998
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047302,
Date	Apr 8, 2026
Instrument	202647302

Lender

Name	PULTE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 5150 Gardenrow Dr was $2,874.

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	$2,874.00	$85,000 Land $85,000	$85,000 Land $85,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5150 Gardenrow Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1987.

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 File 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

Wildfire risk around 5150 Gardenrow Dr is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% 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	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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: AT&T, Hotwire Communications, Verizon, Xfinity.

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