Osceola County property record for 5178 Moore St, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2020 |
| Square Footage | 3,051 sqft Heated Area |
| Lot Size | 201,247 sqft (4.61 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $147,500 (2019) |
| Tax Bill | $7,267.00 (2025) |
| Primary APN | 157762 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 3,051 sqft Heated Area |
| Gross Area | 4,436 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 201,247 sqft (4.61 acres) |
| Garage Type | Finished Garage |
| Shed | 1 Shed |
| Shed Area | 264 sqft Shed |
| Porch | Finished/Screened Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 157762 |
|---|---|
| Street Address | 5178 MOORE ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7871 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NEW TOWN OF NARCOOSSEE PB 1 PGS 71-72 BLK 190 LOTS 1 & 10, BLK 201 LOTS 1 & 10 AND VAC ALLEYS AND VAC HICKS ST LYING WITHIN |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | NARCOOSSEE NEW MAP |
| Legal Tract | 4260 |
| Legal Block | 190,201 |
| Legal Lot Number | 1,10 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1029 |
| Census Tract | 43700 |
Source: Osceola County records · APN 157762
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5178 MOORE ST, SAINT CLOUD, FL 34771-7871 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 10, 2020 | Loan Modification, Mortgage WATERSTONE MTG |
| Oct 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Mar 05, 2019 | Warranty Deed, Transfer · Building or Construction Mortgage MARLON V & KAREN E PHILLIPS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on Record |
| Deed Sale | Oct 22, 2019 · Amount on Record |
| Prior Sale | Mar 05, 2019 · Amount on Record |
| Deed Doc Number | 2019137072 |
| Deed Book / Page | 5610 / 1501 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5178 MOORE ST, SAINT CLOUD, FL 34771-7871 |
| Document Number | 0057191083 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5178 MOORE ST ST CLOUD FL 34771, ST CLOUD, FL 34771 |
| Document Number | 0057191083 |
|---|---|
| Date | May 07, 2020 |
| Book Page | 005719/001083 |
| Instrument | 61581 |
| Name | WATERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 06, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 22, 2019 |
| Property Address | 5178 MOORE ST, SAINT CLOUD, FL 34771-7871 |
| Document Number | 0056101501 |
| Book / Page | 5610 / 1501 |
| Map Reference | MB 1 PG 71 |
| Instrument Date | Oct 03, 2019 |
| Instrument | 2019137072 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,032.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5166 MOORE ST, 5166, SAINT CLOUD, FL 34771-7871 |
| Name | Verified Name |
|---|---|
| Address | 2341 BAGDAD AVE, ORLANDO, FL 32833-3814 |
| Document Number | 0056101503 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 5610/1503 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2019 |
| Property Address | 5178 MOORE ST, SAINT CLOUD, FL 34771-7871 |
| Document Number | 0054862817 |
| Book / Page | 005486 / 002817 |
| Instrument Date | Mar 05, 2019 |
| Instrument | 28348 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 CARROLL ST ISLAMORADA FL 33036, ISLAMORADA, FL 33036 |
| Document Number | 54862820 |
|---|---|
| Date | Mar 05, 2019 |
| Book Page | 005486/002820 |
| Instrument | 28349 |
| Name | MARLON V & KAREN E PHILLIPS |
|---|---|
| Address | 5200 MOORE ST, ST CLOUD, FL 34771-7750 |
| Special Notes | Lender is also the Seller |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 04, 2020 |
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 | $7,267.00 (+6.35%) Homeowner's exemption | $513,970 (+5.99%) | $797,000 (+32.04%) Land $129,300 Building $667,700 |
| 2023 | $6,833.00 (+3.61%) Homeowner's exemption | $484,937 (+3%) | $603,600 (+16.53%) Land $89,500 Building $514,100 |
| 2022 | $6,595.00 Homeowner's exemption | $470,813 | $518,000 Land $89,500 Building $428,500 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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