Osceola County property record for 5190 Appenine Loop E, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,486 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $310,000 (2017) |
| Tax Bill | $4,228.00 (2025) |
| Primary APN | 202531425700011250 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,486 sqft Heated Area |
| Gross Area | 3,005 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 | 6,970 sqft (0.16 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Porch | Open Porch |
| Porch Area | 78 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5190 APPENINE LOOP E |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9273 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | NARCOOSSEE VILLAGE PH 2 PB 23 PG 195-197 LOT 125 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NARCOOSSEE VILLAGE |
| Legal Phase | 2 |
| Legal Tract | 4257 |
| Legal Lot Number | 125 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3021 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531425700011250
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5190 APPENINE LOOP E, SAINT CLOUD, FL 34771-9273 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) FAIRWINDS CU |
| Nov 03, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) M&I FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2017 · Amount on Record |
| Deed Sale | Nov 03, 2017 · Amount on Record |
| Deed Doc Number | 2017157734 |
| Deed Book / Page | 5234 / 1169 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 APPENINE LOOP E, SAINT CLOUD, FL 34771-9273 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 5190 APPENINE LOOP E, SAINT CLOUD, FL 34771-9273 |
| Document Number | 0059150714 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 5915/714 |
| Instrument | 2021040462 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 APPENINE LOOP E, SAINT CLOUD, FL 34771-9273 |
| Document Number | 0055990628 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2019 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 5190 APPENINE LOOP E ST CLOUD FL 347719273, ST CLOUD, FL 34771-9273 |
| Document Number | 0055990628 |
|---|---|
| Date | Oct 02, 2019 |
| Book Page | 005599/000628 |
| Instrument | 127287 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 03, 2017 |
| Property Address | 5190 APPENINE LOOP E, SAINT CLOUD, FL 34771-9273 |
| Document Number | 0052341169 |
| Book / Page | 005234 / 001169 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 157734 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | M/I TITLE AGENCY LIMITED LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5190 APPENINE LOOP E ST CLOUD FL 347719273, ST CLOUD, FL 34771-9273 |
| Document Number | 52341170 |
|---|---|
| Date | Nov 03, 2017 |
| Book Page | 005234/001170 |
| Instrument | 157735 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 02, 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 | $4,228.00 (+7.26%) Homeowner's exemption | $294,615 (+5.99%) | $381,000 (-2.58%) Land $75,000 Building $306,000 |
| 2023 | $3,942.00 (+4.09%) Homeowner's exemption | $277,973 (+3%) | $391,100 (+16.19%) Land $65,000 Building $326,100 |
| 2022 | $3,787.00 Homeowner's exemption | $269,877 | $336,600 Land $60,000 Building $276,600 |
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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