5197 Appenine Loop E, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5197 Appenine Loop E, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2016
Square Footage	2,710 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$338,600 (2016)
Tax Bill	$4,145.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`202531425700011090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,710 sqft Heated Area
Gross Area	3,462 sqft Gross Area
1st Floor	2,710 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	536 sqft Garage
Patio Area	160 sqft Patio
Porch	Open Porch
Porch Area	216 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	5197 APPENINE LOOP E
City	SAINT CLOUD
State	FL
Zip	34771-9276
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	NARCOOSSEE VILLAGE PH 2 PB 23 PG 195-197 LOT 109
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE VILLAGE
Legal Phase	2
Legal Tract	4257
Legal Lot Number	109
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3020
Census Tract	43700

Owner

Source: Osceola County records · APN 202531425700011090

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	5197 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2016 · Amount on Record
Deed Sale	Dec 29, 2016 · Amount on Record
Deed Doc Number	2016191443
Deed Book / Page	5078 / 0135
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5197 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276
Transaction Type	Mortgage
Record Updated	Feb 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5197 APPENINE LOOP E, SAINT CLOUD, FL 34771-9276

Mortgage

Document Number	0060210551
Date	Aug 12, 2021
Book Page	6021/551
Instrument	2021124826

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 06, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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 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	$4,145.00 (+7.38%) Homeowner's exemption Widower's exemption	$293,624 (+5.99%)	$437,800 (-3.12%) Land $75,000 Building $362,800
2023	$3,860.00 (+2.47%) Homeowner's exemption Widower's exemption	$277,038 (+3%)	$451,900 (+16.26%) Land $65,000 Building $386,900
2022	$3,767.00 Homeowner's exemption Widower's exemption	$268,969	$388,700 Land $60,000 Building $328,700

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 60% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 709 per year
Exposure	Direct burnable vegetation at the parcel

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