5170 Helen Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5170 Helen Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,087 sqft · built 1979
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Aug 2020)
Tax Bill	$5,717 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`97936`

Property Details

APN / Parcel Number

Primary APN	`97936`
Alternative APN	`202631498500010030`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,087 sqft Heated Area
Gross Area	3,065 sqft
1st Floor Area	2,087 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Lot Dimensions	423 ft deep x 105 ft wide
Garage Type	Mixed
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	38 sqft
Porch	Finished/Screened Porch
Porch Area	378 sqft
Deck Area	237 sqft
Patio Area	104 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	97936
Street Address	5170 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 3 PB 2 PG 64
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	SHARPES ACRES
Legal Tract	4985
Legal Block	1
Legal Lot Number	3
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	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · Line of Credit NFTYDOOR LLC
Aug 6, 2020	Warranty Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC
May 17, 2017	Warranty Deed, Transfer · Conventional Mortgage THOMAS & MARILYN MURRAY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on Record
Deed Sale	Aug 6, 2020 · Amount on Record
Prior Sale	May 17, 2017 · Amount on Record
Deed Document Number	2020103164
Deed Book / Page	5769 / 1328
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Investor	Possibly a Property Investor

Mortgage

Document Number	0063470838
Date	Jan 23, 2023
Book Page	6347/838
Instrument	2023007873

Lender

Name	NFTYDOOR LLC
Type	Non-Lending Institution
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2020
Property Address	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0057691328
Book / Page	5769 / 1328
Map Reference	MB 2 PG 64
Instrument Date	Aug 4, 2020
Instrument	2020103164
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1247 PROSPECT PROMENADE, 1247, PANAMA CITY, FL 32413-1484

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Investor	Possibly a Property Investor

Mortgage

Document Number	0057691329
Date	Aug 6, 2020
Instrument	5769/1329

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 17, 2017
Property Address	5170 HELEN CT, SAINT CLOUD, FL 34772-9367
Document Number	0051500030
Book / Page	005150 / 000030
Instrument Date	May 17, 2017
Instrument	73056
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5170 HELEN CT ST CLOUD FL 347729367, ST CLOUD, FL 34772-9367

Mortgage

Document Number	51500031
Date	May 17, 2017
Book Page	005150/000031
Instrument	73057

Lender

Name	THOMAS & MARILYN MURRAY
Address	5150 HELEN CT, ST CLOUD, FL 34772-9367

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 16, 2027

Interest

Rate	6%

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	$5,717.00 (+6.7%) Homeowner's exemption	$402,089 (+5.99%)	$426,300 (+1.91%) Land $157,000 Building $269,300
2023	$5,358.00 (+3.78%) Homeowner's exemption	$379,377 (+3%)	$418,300 (+8.4%) Land $157,000 Building $261,300
2022	$5,163.00 Homeowner's exemption	$368,328	$385,900 Land $157,000 Building $228,900

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
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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