5199 Gulf Sturgeon Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5199 Gulf Sturgeon Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,920 sqft · built 2010
Lot Size	0.151 acres (6,577 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,600 (Aug 2010)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Aug 2022 Transfer Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0669-0001-4160`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0669-0001-4160`
Alternative APNs	`263023066900014160` `156214`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,438 sqft
1st Floor Area	822 sqft
Upper Floors Area	1,098 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	L-Shape
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,577 sqft (0.151 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	119 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5199 GULF STURGEON LN
City	SAINT CLOUD
State	FL
Zip	34772-6857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	SOUTHERN PINES UNIT 3A PB 20 PG 31-36 LOT 416
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	SOUTHERN PINES UNIT 3A
Legal Tract	669
Legal Block	4160
Legal Lot Number	416
Legal Unit	3A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43303

Owner

Source: Osceola County records, as of October 21, 2026

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 Record
Mailing Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Intrafamily Transfer, Transfer VYLLA TITLE LLC
Apr 20, 2022	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BANK NA
Jun 8, 2018	Loan Modification, Mortgage · Conventional Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2010 · Amount on Record
Deed Sale	Aug 2, 2010 · Amount on Record
Deed Document Number	2010109378
Deed Book / Page	4015 / 763
Last Transfer Date	Apr 12, 2022
Transfer Doc	0062742167
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2022
Property Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Document Number	0062742167
Book / Page	6274 / 2167
Map Reference	MB 20 PG 31-36
Instrument Date	Aug 12, 2022
Instrument	2022130089
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5199 GULF STURGEON LN, 5199, SAINT CLOUD, FL 34772-6857

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Investor	Possibly a Property Investor

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857

Mortgage

Document Number	0061971176
Date	Apr 20, 2022
Book Page	6197/1176
Instrument	2022061998

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057561815
Date	Jul 17, 2020
Book Page	5756/1815
Instrument	2020093481

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	KISSIMMEE, FL 34743

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jun 11, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5199 GULF STURGEON LN, SAINT CLOUD, FL 34772-6857
Document Number	0053660660
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5199 GULF STURGEON LN ST CLOUD FL 347726857, ST CLOUD, FL 34772-6857

Mortgage

Document Number	0053660660
Date	Jul 12, 2018
Book Page	005366/000660
Instrument	106917

Lender

Name	JPMORGAN CHASE BK NA
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Jul 11, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,107.00 (+3.74%) Homeowner's exemption	$160,631 (+5.99%)	$298,300 (+7.3%) Land $75,000 Building $223,300
2024	$2,031.00 (+3.1%)
2023	$1,970.00 (+4.12%) Homeowner's exemption	$151,558 (+3%)	$278,000 (+3.12%) Land $60,000 Building $218,000
2022	$1,892.00 Homeowner's exemption	$147,144	$269,600 Land $55,000 Building $214,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

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

Wildfire Risk	Moderate above 61% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink, Xfinity.

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