5191 Canoe Creek Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5191 Canoe Creek Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Pasture
Details	3 bd · 3 ba · 3,397 sqft · built 2005
Lot Size	5.05 acres (219,978 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Dec 2018)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	May 2024 Transfer Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`13-27-30-4950-0001-1280`

Property Details

APN / Parcel Number

Primary APN	`13-27-30-4950-0001-1280`
Alternative APN	`273013495000011280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,397 sqft Gross Area
1st Floor Area	2,288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	219,978 sqft (5.05 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	625 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5191 CANOE CREEK RD
City	SAINT CLOUD
State	FL
Zip	34772-9114
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Legal Description	S L & I C PB B PG 41 COM AT SW COR OF SE 1/4, N89-53-37E 1941.47 FT TO POB; N00-04-08W 634.58 FT TO A PT 25 FT S OF S/L LOT 111, N89-55-49E 565 FT MOL TO WATERS EDGE OF LAKE GENTRY, SLY ALONG WATERS EDGE 635 FT MOL TO S/L SEC, S89-53-37W 603.37 FT MO
Legal Range	30E
Legal Township	27S
Legal Section	13
Legal Subdivision	S L & I C
Legal Lot Number	111
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43205

Owner

5191 Canoe Creek Rd, an agricultural property, is owned and occupied by an individual who bought it in December 2018.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114
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.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2024	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2019	Warranty Deed, Transfer STEWART TITLE
Dec 20, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2018 · Amount on File
Deed Sale	Dec 20, 2018 · Amount on File
Prior Sale	Oct 23, 2012
Deed Document Number	2018186400
Deed Book / Page	5453 / 316
Prior Transfer Date	Nov 30, 2018
Prior Transfer Doc	0054530312
Record Updated	Jun 8, 2026

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2024
Property Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114
Document Number	0066032603
Book / Page	6603 / 2603
Map Reference	MB B PG 41
Instrument Date	Apr 30, 2024
Instrument	2024066881
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 NURSERY RD, MONTICELLO, FL 32344-4847

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114

Mortgage

Document Number	0058102800
Date	Oct 12, 2020
Book Page	5810/2800
Instrument	2020137226

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2019
Property Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114
Document Number	0056252907
Book / Page	005625 / 002907
Instrument Date	Nov 15, 2019
Instrument	150336
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 470520 KISSIMMEE FL 347470520, KISSIMMEE, FL 34747-0520

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2018
Property Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114
Document Number	0054530316
Book / Page	5453 / 0316
Instrument Date	Nov 27, 2018
Instrument	2018186400
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CLASSIC TITLE & SOLUTIONS IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5191 CANOE CREEK RD, 5191, SAINT CLOUD, FL 34772-9114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5191 CANOE CREEK RD, SAINT CLOUD, FL 34772-9114

Mortgage

Document Number	2018186401
Date	Dec 20, 2018
Instrument	2018186401

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5191 Canoe Creek Rd was $4,191 with a homeowner's exemption, up 5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,191.00 (+5.01%) Homeowner's exemption	$291,981	$431,600 Land $131,000 Building $300,600
2024	$3,991.00 (+2.12%)
2023	$3,908.00 (+4.1%) Homeowner's exemption	$275,539 (+2.99%)	$459,700 (+12.15%)
2022	$3,754.00 Homeowner's exemption	$267,540	$409,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5191 Canoe Creek Rd in Zone AE, 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 5191 Canoe Creek Rd is high, ranking above 86% of the US, with a 0.9% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 86% of the US · above 79% of Florida
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Canoe Creek Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures