5166 Northern Flicker Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5166 Northern Flicker Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,391 sqft · built 2022
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$476,100 (Mar 2022)
Tax Bill	$6,159 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082631397500011300`

Property Details

APN / Parcel Number

Primary APN	`082631397500011300`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,391 sqft Heated Area
Gross Area	2,806 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	15 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5166 NORTHERN FLICKER DR
City	SAINT CLOUD
State	FL
Zip	34771-8430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIVE OAK LAKE PH 3 PB 30 PGS 1-5 LOT 130
Legal Subdivision	LIVE OAK LAKE PHS 1 2 & 3
Legal Phase	3
Legal Lot Number	130
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
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	5166 NORTHERN FLICKER DR, SAINT CLOUD, FL 34771-8430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Mar 30, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on Record
Deed Sale	Mar 30, 2022 · Amount on Record
Deed Document Number	2022050790
Deed Book / Page	6183 / 679
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5166 NORTHERN FLICKER DR, SAINT CLOUD, FL 34771-8430
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5166 NORTHERN FLICKER DR, SAINT CLOUD, FL 34771-8430

Mortgage

Document Number	0065161150
Date	Dec 8, 2023
Book Page	6516/1150
Instrument	2023160371

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Apr 1, 2052

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2022
Property Address	5166 NORTHERN FLICKER DR, SAINT CLOUD, FL 34771-8430
Document Number	0061830679
Book / Page	6183 / 679
Map Reference	MB 30 PG 1-5
Instrument Date	Mar 28, 2022
Instrument	2022050790
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,332.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5166 NORTHERN FLICKER DR, SAINT CLOUD, FL 34771-8430

Mortgage

Document Number	0006183681
Date	Mar 30, 2022
Instrument	6183/681

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,159.00 (+19.36%) Homeowner's exemption	$387,013 (+5.99%)	$388,000 (+2.13%) Land $82,500 Building $305,500
2023	$5,160.00 (+255.37%) Homeowner's exemption	$365,152 (+453.26%)	$379,900 (+475.61%) Land $71,500 Building $308,400
2022	$1,452.00	$66,000 Land $66,000	$66,000 Land $66,000

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

Flood

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
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	High above 72% of the US · above 55% 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 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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