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5150 Ginger Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5150 Ginger Ln, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,040 sqft · built 1935
Lot Size0.513 acres (22,346 sqft)
OwnerIndividual Name on File
Last Sale$74,200 (Dec 2009)
Tax Bill$1,236 (2025)
Deeds & MortgagesSep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN17-25-31-4260-0253-0010

Property Details

APN / Parcel Number

Primary APN17-25-31-4260-0253-0010
Alternative APNs
  • 253117426002530010
  • 91240

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,040 sqft Living Area
Gross Area1,222 sqft
1st Floor Area1,040 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1975
Architectural StyleCustom Design
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,346 sqft (0.513 acres)
Lot Dimensions123 ft deep x 88 ft wide

Exterior Amenities

PorchFinished/Open Porch
Porch Area182 sqft
Shed1 Shed
Shed Area160 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5150 GINGER LN
CitySAINT CLOUD
StateFL
Zip34771-7837
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS-2
Legal DescriptionNEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 253 LOTS 1 & 10 AND W 1/2 OF 11TH AVE
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block253
Legal Lot Number1
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1029
Census Tract43700

Owner

Source: Osceola County assessment roll, 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 RecordIndividual Name on File
Mailing Address5150 GINGER LN, SAINT CLOUD, FL 34771-7837
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 18, 2009 · Amount on Record
Deed SaleDec 18, 2009 · Amount on Record
Prior SaleJun 3, 2009
Deed Document Number2009201186
Deed Book / Page3929 / 228
Prior Transfer DateMar 15, 2004
Prior Transfer Doc0000215877
Record UpdatedSep 20, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5150 GINGER LN, SAINT CLOUD, FL 34771-7837
Transaction TypeMortgage
Record UpdatedFeb 8, 2022
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054000897
DateSep 13, 2018
Book Page5400/0897
Instrument2018137613
Lender
NameSUNTRUST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,236.00 (+9.48%) Homeowner's exemption$78,625 (+5.99%)$205,400 (+22.77%) Land $71,500 Building $133,900
2024$1,129.00 (+2.36%)
2023$1,103.00 (+5.35%) Homeowner's exemption$74,185 (+3%)$167,300 (+11.46%) Land $66,000 Building $101,300
2022$1,047.00 Homeowner's exemption$72,025$150,100 Land $66,000 Building $84,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 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 RiskModerate
above 48% of the US · lower than 81% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 211 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Lumen Technologies
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, T-Mobile USA, Xfinity.

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