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5204 Hammock Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5204 Hammock Cir, Saint Cloud, FL 34771 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2004
Square Footage1,859 sqft Living Area
Lot Size14,461 sqft (0.332 acres)
OccupancyOwner Occupied
Last Sale$314,000 (2017)
Tax Bill$892.00 (2025)

Property Details

APN / Parcel Number

Primary APN05-25-31-3325-0001-0290
Alternative APNs
  • 253105332500010290
  • 89807

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,859 sqft Living Area
Gross Area2,702 sqft Gross Area
1st Floor1,859 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2004
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area14,461 sqft (0.332 acres)
Depth X Width153 ft x 78 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area486 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area26 sqft Pool
Deck Area417 sqft Deck
Porch Area357 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5204 HAMMOCK CIR
CitySAINT CLOUD
StateFL
Zip34771-8761
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHAMMOCK POINTE PB 7 PG 174 LOT 29 LESS BEG AT SE COR OF LOT 29, W 8.77 FT, N 1 DEG E 94.80 FT TO PT ON N/L OF LOT 29, S 69 DEG E 8.89 FT TO NE COR LOT 29, S 91.71 FT TO POB
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionHAMMOCK POINTE
Legal Tract3325
Legal Block290
Legal Lot Number29
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1026
Census Tract43600

Owner

Source: Osceola County records · APN 05-25-31-3325-0001-0290

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 07, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
VETERANS FIRST MORTGAGE
Sep 20, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
WINTRUST MORTGAGE
Jun 29, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
WINTRUST MORTGAGE
Oct 07, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
WINTRUST MORTGAGE
Jul 17, 2017Warranty Deed, Transfer · Veterans Administration Mortgage
IFREEDOM DIRECT

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 17, 2017 · Amount on Record
Deed SaleJul 17, 2017 · Amount on Record
Prior SaleMay 20, 2011 · Amount on Record
Deed Doc Number2017103631
Deed Book / Page5180 / 1167
Prior Transfer DateApr 05, 2002
Prior Transfer Doc2048002936
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 07, 2026
Property Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
Document Number0000089128
Book / Page7000 / 1411
Instrument DateJun 15, 2026
Instrument202689128
Transaction TypeMortgage
Record UpdatedJul 15, 2026
Title CompanyVETERANS FIRST MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761

Mortgage

Document Number0000089128,
DateJul 07, 2026
Book Page7000/1411
Instrument202689128
Lender
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.36%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0060461533
DateSep 20, 2021
Book Page6046/1533
Instrument2021145020
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062422122
DateJun 29, 2022
Book Page6242/2122
Instrument2022101637
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056011347
DateOct 07, 2019
Book Page5601/1347
Instrument2019129123
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2049

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2017
Property Address5204 HAMMOCK CIR, SAINT CLOUD, FL 34771-8761
Document Number0051801167
Book / Page005180 / 001167
Instrument DateJul 13, 2017
Instrument103631
Transaction TypeTransfer
Record UpdatedAug 11, 2017
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,198.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5204 HAMMOCK CIR ST CLOUD FL 347718761, ST CLOUD, FL 34771-8761

Mortgage

Document Number51801169
DateJul 17, 2017
Book Page005180/001169
Instrument103632
Lender
NameIFREEDOM DIRECT
AddressSALT LAKE CITY, UT 84116
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 16, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$892.00 (+13.49%) Homeowner's exemption Veteran's exemption$277,044 (+5.99%)$413,100 (+3.79%) Land $95,000 Building $318,100
2023$786.00 (+10.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$261,396 (+3%)$398,000 (+18.14%) Land $95,000 Building $303,000
2022$711.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$253,783$336,900 Land $75,000 Building $261,900

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 ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 65% of the US · above 41% of Florida
Wildfire LikelihoodAbout 1 in 581 per year
ExposureDirect
burnable vegetation at the parcel

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

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