Osceola County property record for 5190 Harkley Runyan Rd, Saint Cloud, FL 34771
| Property Type | Horticulture, Ornamental (Agricultural) |
|---|---|
| Details | 5 bd · 3 ba · 4,450 sqft · built 1985 |
| Lot Size | 5.05 acres (219,978 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $22,900 (Mar 1982) |
| Tax Bill | $3,021 (2025) |
| Deeds & Mortgages | Dec 2017 Reverse Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 93105 |
| Primary APN | 93105 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 4,450 sqft Heated Area |
| Gross Area | 6,822 sqft |
| 1st Floor Area | 3,568 sqft |
| Upper Floors Area | 882 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 219,978 sqft (5.05 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 916 sqft |
| Deck Area | 1,448 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 93105 |
|---|---|
| Street Address | 5190 HARKLEY RUNYAN RD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9514 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Horticulture, Ornamental (Agricultural) |
| Local Zoning Code | OAC |
| Legal Description | RUNNYMEDE RANCHLANDS UNIT 3 PB 2 PG 260 LOT 33 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 32 |
| Legal Subdivision | AGRICULTURAL |
| Legal Tract | 4917 |
| Legal Block | 1 |
| Legal Lot Number | 33 |
| Legal Unit | 3P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3032 |
| Census Tract | 43700 |
5190 Harkley Runyan Rd, an agricultural property, is owned and occupied by two individuals who bought it in March 1982.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 700031, SAINT CLOUD, FL 34770-0031 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 28, 2017 | Deed of Trust, Mortgage · Reverse Mortgage THE FEDERAL SAVINGS BANK |
| Dec 19, 2017 | Deed of Trust, Mortgage FEDERAL HOUSING COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1982 · Amount on File |
| Deed Sale | Mar 1, 1982 · Amount on File |
| Deed Document Number | 0000057269 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 HARKLEY RUNYAN RD, SAINT CLOUD, FL 34771-9514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052600981 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 5260/0981 |
| Instrument | 2017183921 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.67% |
| Type Change Date | Jan 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5190 HARKLEY RUNYAN RD, SAINT CLOUD, FL 34771-9514 |
| Document Number | 0052600997 |
| Instrument Date | Dec 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5190 HARKLEY RUNYAN RD ST CLOUD FL 347719514, ST CLOUD, FL 34771-9514 |
| Document Number | 0052600997 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 005260/000997 |
| Instrument | 183922 |
| Name | FEDERAL HOUSING COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Amount | Amount on Record |
|---|---|
| Term | 1056 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.67% |
The 2025 property tax bill for 5190 Harkley Runyan Rd was $3,021 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,021.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $379,168 | $595,600 |
| 2023 | $2,804.00 (-9.87%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $357,818 (+2.99%) | $637,500 (+13.43%) |
| 2022 | $3,111.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $347,432 | $562,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5190 Harkley Runyan Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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.
Wildfire risk around 5190 Harkley Runyan Rd is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 73% of the US · above 58% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Spectrum.
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