Osceola County property record for 5163 Jack Brack Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,227 sqft · built 1999 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $387,000 (Sep 2024) |
| Tax Bill | $4,505 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-25-31-4260-0287-0180 |
| Primary APN | 17-25-31-4260-0287-0180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,227 sqft Living Area |
| Gross Area | 1,593 sqft |
| 1st Floor Area | 1,011 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 32,234 sqft (0.74 acres) |
| Lot Dimensions | 123 ft deep x 148 ft wide |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 272 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5163 JACK BRACK RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7860 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS2 |
| Legal Description | NEW TOWN OF NARCOOSSEE PB 1 PGS 71 & 72 BLK 287 LOTS 1-3, 18-20 & VAC BERNARD AVE LOTS 1 & 20 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | NARCOOSSEE NEW MAP OF |
| Legal Tract | 4260 |
| Legal Block | 287 |
| Legal Lot Number | 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 43700 |
Source: Osceola County records, as of October 22, 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 Record |
|---|---|
| Mailing Address | 5163 JACK BRACK RD, SAINT CLOUD, FL 34771-7860 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Apr 9, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 14, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2024 · Amount on Record |
| Deed Sale | Sep 12, 2024 · Amount on Record |
| Prior Sale | Apr 9, 2021 · Amount on Record |
| Deed Document Number | 2024117178 |
| Deed Book / Page | 6663 / 1833 |
| Prior Transfer Date | Sep 9, 2013 |
| Prior Transfer Doc | 0045380945 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5163 JACK BRACK RD, SAINT CLOUD, FL 34771-7860 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9438 RANDAL PARK BLVD 8124, 8124, ORLANDO, FL 32832-5044 |
| Document Number | 0059312572 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 5931/2572 |
| Instrument | 2021053695 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 14, 2019 |
| Property Address | 5163 JACK BRACK RD, SAINT CLOUD, FL 34771-7860 |
| Document Number | 0054911881 |
| Book / Page | 5491 / 1881 |
| Map Reference | MB 1 PG 71 |
| Instrument Date | Feb 14, 2019 |
| Instrument | 2019032925 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,589.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2610 ZUNI RD, 2610, SAINT CLOUD, FL 34771-7987 |
| Name | Verified Name |
|---|---|
| Address | 5163 JACK BRACK RD, SAINT CLOUD, FL 34771-7860 |
| Document Number | 2019032926 |
|---|---|
| Date | Mar 14, 2019 |
| Instrument | 2019032926 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2049 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,505.00 (-0.44%) | $314,600 (+37.28%) Land $71,500 Building $243,100 | $314,600 (+24.35%) Land $71,500 Building $243,100 |
| 2024 | $4,525.00 (+628.66%) | ||
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $229,175 (+3%) | $253,000 (+13.71%) Land $66,000 Building $187,000 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,500 Land $66,000 Building $156,500 | $222,500 Land $66,000 Building $156,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Xfinity.
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