5155 Arrapahoe St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5155 Arrapahoe St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,688 sqft · built 1991
Lot Size	0.746 acres (32,496 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jul 2016)
Tax Bill	$712 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91168`

Property Details

APN / Parcel Number

Primary APN	`91168`
Alternative APN	`172531426002210010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,688 sqft Heated Area
Gross Area	2,012 sqft
1st Floor Area	1,688 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,496 sqft (0.746 acres)
Garage Area	840 sqft

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	324 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	91168
Street Address	5155 ARRAPAHOE ST
City	SAINT CLOUD
State	FL
Zip	34771-7892
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-2
Legal Description	NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 221 LOTS 1, 2, 9, & 10 & VAC ALLEY LYING S OF LOTS 1 & 2 & S 1/2 VAC EWING ST
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	NARCOOSSEE NEW MAP
Legal Tract	4260
Legal Block	221
Legal Lot Number	1 2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
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	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Aug 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 15, 2019	Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Deed Document Number	2016108243
Deed Book / Page	4993 / 1298
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892

Mortgage

Document Number	0064932171
Date	Oct 23, 2023
Book Page	6493/2171
Instrument	2023139157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892

Mortgage

Document Number	0060150422
Date	Aug 3, 2021
Book Page	6015/422
Instrument	2021119893

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5155 ARRAPAHOE ST, SAINT CLOUD, FL 34771-7892
Document Number	0055410642
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5155 ARRAPAHOE ST ST CLOUD FL 347717892, ST CLOUD, FL 34771-7892

Mortgage

Document Number	0055410642
Date	Jun 14, 2019
Book Page	005541/000642
Instrument	76984

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FISHERS, IN 46037

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Jun 13, 2046

Interest

Rate Type	Fixed Rate
Rate	4.62%

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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$229,739 (+10.19%)	$401,600 (+25.81%) Land $71,500 Building $330,100
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$208,493 (+3%)	$319,200 (+14.29%) Land $66,000 Building $253,200
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$202,421	$279,300 Land $66,000 Building $213,300

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 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 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 Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

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

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