5160 Helen Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5160 Helen Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,974 sqft · built 1974
Lot Size	0.939 acres (40,946 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Aug 2018)
Tax Bill	$5,643 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`97937`

Property Details

APN / Parcel Number

Primary APN	`97937`
Alternative APN	`202631498500010040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,974 sqft Heated Area
Gross Area	5,024 sqft
1st Floor Area	2,974 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	40,946 sqft (0.939 acres)
Lot Dimensions	388 ft deep x 105 ft wide
Garage Type	Finished
Garage Area	1,364 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	686 sqft
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	97937
Street Address	5160 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 4 PB 2 PG 64 450/78
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	SHARPES ACRES
Legal Tract	4985
Legal Block	1
Legal Lot Number	4
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 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	5160 HELEN CT, SAINT CLOUD, FL 34772-9367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Apr 2, 2002 · Amount on Record
Deed Document Number	2018128224
Deed Book / Page	5389 / 1559
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5160 HELEN CT, SAINT CLOUD, FL 34772-9367
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057381306
Date	Jun 16, 2020
Book Page	5738/1306
Instrument	2020077111

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	5160 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0053891559
Book / Page	5389 / 1559
Map Reference	MB2 PG64
Instrument Date	Aug 14, 2018
Instrument	2018128224
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1541 MOSSYCUP DR, 1541, SAINT CLOUD, FL 34771-4873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5160 HELEN CT, SAINT CLOUD, FL 34772-9367

Mortgage

Document Number	2018128225
Date	Aug 22, 2018
Instrument	2018128225

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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	$5,643.00 (+6.71%) Homeowner's exemption	$396,751 (+5.99%)	$511,000 (+1.29%) Land $157,000 Building $354,000
2023	$5,288.00 (+3.81%) Homeowner's exemption	$374,340 (+3%)	$504,500 (+11.42%) Land $157,000 Building $347,500
2022	$5,094.00 Homeowner's exemption	$363,437	$452,800 Land $157,000 Building $295,800

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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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