Osceola County property record for 5173 Appenine Loop E, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,486 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $485,000 (2025) |
| Tax Bill | $5,515.00 (2025) |
| Primary APN | 202531425700011420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,486 sqft Heated Area |
| Gross Area | 3,101 sqft Gross Area |
| 1st Floor | 1,084 sqft 1st Floor |
| Upper Floors | 1,402 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 110 sqft Patio |
| Porch | Open Porch |
| Porch Area | 174 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5173 APPENINE LOOP E |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9263 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NARCOOSSEE VILLAGE PH 2 PB 23 PG 195-197 LOT 142 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NARCOOSSEE VILLAGE |
| Legal Phase | 2 |
| Legal Tract | 4257 |
| Legal Lot Number | 142 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3010 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531425700011420
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 5173 APPENINE LOOP W, SAINT CLOUD, FL 34771-9214 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 08, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CLICK N CLOSE INC |
| Aug 29, 2018 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) WATERSTONE MORTGAGE CORP |
| Jul 10, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage JFQ LENDING INC |
| Jun 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CALIBER HM LOANS |
| Jul 02, 2018 | Warranty Deed, Transfer · Adjustable Rate Mortgage (ARM) WATERSTONE MORTGAGE CORP |
| Feb 24, 2017 | Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage M&I FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 08, 2025 · Amount on Record |
| Deed Sale | Dec 08, 2025 · Amount on Record |
| Prior Sale | Jun 21, 2021 · Amount on Record |
| Deed Doc Number | 2025149779 |
| Deed Book / Page | 6890 / 711 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 08, 2025 |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 0068900711 |
| Book / Page | 6890 / 711 |
| Map Reference | MB 23 PG 195-197 |
| Instrument Date | Dec 05, 2025 |
| Instrument | 2025149779 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5173 APPENINE LOOP W, SAINT CLOUD, FL 34771-9214 |
| Name | Verified Name |
|---|---|
| Address | 5173 APPENINE LOOP W, SAINT CLOUD, FL 34771-9214 |
| Document Number | 0006890713 |
|---|---|
| Date | Dec 08, 2025 |
| Instrument | 6890/713 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0053922346 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 5392/2346 |
| Instrument | 2018131106 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 1-Year LIBOR |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057520739 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 5752/739 |
| Instrument | 2020089194 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 21, 2021 |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 0059851973 |
| Book / Page | 5985 / 1973 |
| Map Reference | MB 23 PG 195 |
| Instrument Date | Jun 09, 2021 |
| Instrument | 2021096702 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,010.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 801 3030, 3030, DPO, AA 34004 |
| Document Number | 0059851975 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 5985/1975 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 0056030660 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Title Company | PROMINENCE TITLE AND ESCROW LLC, PROMINENCE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5173 APPENINE LOOP E ST CLOUD FL 347719263, ST CLOUD, FL 34771-9263 |
| Document Number | 0056030660 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 005603/000660 |
| Instrument | 130619 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2018 |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 0053591925 |
| Book / Page | 5359 / 1925 |
| Map Reference | MB23 PG195-197 |
| Instrument Date | Jun 19, 2018 |
| Instrument | 2018100870 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | NEW HOME TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,344.30 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 2018100871 |
|---|---|
| Date | Jul 02, 2018 |
| Instrument | 2018100871 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 1-Year LIBOR |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 24, 2017 |
| Property Address | 5173 APPENINE LOOP E, SAINT CLOUD, FL 34771-9263 |
| Document Number | 0051070254 |
| Book / Page | 005107 / 000254 |
| Instrument Date | Feb 17, 2017 |
| Instrument | 29620 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 10, 2017 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,246.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5173 APPENINE LOOP E ST CLOUD FL 347719263, ST CLOUD, FL 34771-9263 |
| Document Number | 51070255 |
|---|---|
| Date | Feb 24, 2017 |
| Book Page | 005107/000255 |
| Instrument | 29621 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 23, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,515.00 (-8.18%) Homeowner's exemption | $387,500 (-2.66%) Land $75,000 Building $312,500 | $387,500 (-2.66%) Land $75,000 Building $312,500 |
| 2023 | $6,006.00 (+11.82%) | $398,100 (+16.03%) Land $65,000 Building $333,100 | $398,100 (+16.03%) Land $65,000 Building $333,100 |
| 2022 | $5,371.00 | $343,100 Land $60,000 Building $283,100 | $343,100 Land $60,000 Building $283,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 57% of the US · above 29% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 621 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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