5185 Masser Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5185 Masser Rd, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$379,990 (Oct 2025)
Tax Bill	$2,624 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`322631351400014380`

Property Details

APN / Parcel Number

Primary APN	`322631351400014380`

Exterior

Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	5185 MASSER RD
City	SAINT CLOUD
State	FL
Zip	34772-6427
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	BUENA LAGO PH 4 PB 34 PGS 88-91 LOT 438
Legal Phase	4
Legal Lot Number	438
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

Source: Osceola County records · APN 322631351400014380

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	5185 MASSER RD, SAINT CLOUD, FL 34772-6427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2025 · Amount on Record
Deed Sale	Oct 13, 2025 · Amount on Record
Deed Document Number	2025126779
Deed Book / Page	6863 / 2578
Record Updated	Jun 08, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 13, 2025
Property Address	5185 MASSER RD, SAINT CLOUD, FL 34772-6427
Document Number	0068632578
Book / Page	6863 / 2578
Map Reference	MB 34 PG 88-91
Instrument Date	Oct 10, 2025
Instrument	2025126779
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2025
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5185 MASSER RD, SAINT CLOUD, FL 34772-6427

Mortgage

Document Number	0068632579
Date	Oct 13, 2025
Instrument	6863/2579

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,624.00	$70,000 Land $70,000	$70,000 Land $70,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force 157 of 173 on primary residences
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Irma (Sep 2017), 8 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	About 1 in 257 per year
Exposure	Direct burnable vegetation at the parcel

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.