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5187 Appenine Loop E, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5187 Appenine Loop E, Saint Cloud, FL 34771 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2017
Square Footage3,514 sqft Living Area
Lot Size7,405 sqft (0.17 acres)
OccupancyOwner Occupied
Last Sale$629,900 (2023)
Tax Bill$712.00 (2025)

Property Details

APN / Parcel Number

Primary APN20-25-31-4257-0001-1040
Alternative APN
  • 253120425700011040

Interior

Bedrooms5 Beds
Full Baths4 Baths
Building Area3,514 sqft Living Area
Gross Area4,351 sqft Gross Area
1st Floor1,541 sqft 1st Floor
Upper Floors1,973 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.17 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area657 sqft Garage
Porch Area180 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address5187 APPENINE LOOP E
CitySAINT CLOUD
StateFL
Zip34771-9276
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionNARCOOSSEE VILLAGE PH 2 PB 23 PG 195-197 LOT 104
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionNARCOOSSEE VILLAGE PH 2
Legal Phase2
Legal Tract4257
Legal Block1040
Legal Lot Number104
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3020
Census Tract43700

Owner

Source: Osceola County records · APN 20-25-31-4257-0001-1040

Assessment roll updated November 26, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
NEWREZ LLC
Sep 18, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
NEWREZ LLC
Jan 21, 2021Deed of Trust, Mortgage · Conventional Mortgage
THIRD FSLA OF CLEVELAND
Jul 11, 2017Warranty Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
M&I FIN'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 18, 2023 · Amount on Record
Deed SaleSep 18, 2023 · Amount on Record
Prior SaleJul 11, 2017 · Amount on Record
Deed Doc Number2023122491
Deed Book / Page6475 / 1237
Record RefreshedSep 20, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Transaction TypeMortgage
Record UpdatedNov 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276

Mortgage

Document Number0068791690
DateNov 13, 2025
Book Page6879/1690
Instrument2025139985
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressFORT WASHINGTON, PA 19034
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2055

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 18, 2023
Property Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Document Number0064751237
Book / Page6475 / 1237
Map ReferenceMB 23 PG 195-197
Instrument DateSep 15, 2023
Instrument2023122491
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,409.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address14637 MICHENER TRL, ORLANDO, FL 32828-6457

Transferred To (Grantee/Buyer)

NameVerified Name
Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276

Mortgage

Document Number0064751239
DateSep 18, 2023
Book Page6475/1239
Instrument2023122492
Lender
NameNEWREZ LLC
TypeMortgage Company
AddressFORT WASHINGTON, PA 19034
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyFIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address511 APPENINE LOOP E, SAINT CLOUD, FL 34771

Mortgage

Document Number0058742434
DateJan 21, 2021
Book Page5874/2434
Instrument2021009497
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051
Interest
Rate TypeAdjustable Rate
Rate2.59%
Type Change DateFeb 01, 2024
Change FrequencyAnnually
Min Rate At Change2%
Max Rate At Change4.59%
IndexPrime Rate
Max Rate8.59%

July 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 11, 2017
Property Address5187 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Document Number0051771901
Book / Page005177 / 001901
Instrument DateJun 29, 2017
Instrument100984
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 11, 2017
Title CompanyM/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,652.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5187 APPENINE LOOP E ST CLOUD FL 347719276, ST CLOUD, FL 34771-9276

Mortgage

Document Number51771902
DateJul 11, 2017
Book Page005177/001902
Instrument100985
Lender
NameM&I FIN'L
TypeFunding / Finance Company
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJul 10, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (-85.82%)$478,500 (+34.75%) Land $75,000 Building $403,500$478,500 (-3.31%) Land $75,000 Building $403,500
2023$5,020.00 (+3.87%) Homeowner's exemption$355,104 (+3%)$494,900 (+16.45%) Land $65,000 Building $429,900
2022$4,833.00 Homeowner's exemption$344,762$425,000 Land $60,000 Building $365,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 57% of the US · above 29% of Florida
Wildfire LikelihoodAbout 1 in 621 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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