Osceola County property record for 5205 Luisa Ct, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $389,999 (Jul 2026) |
| Tax Bill | $554 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-25-31-5416-0001-0010 |
| Primary APN | 20-25-31-5416-0001-0010 |
|---|---|
| Alternative APN |
|
| Lot Area | 3,049 sqft (0.07 acres) |
|---|
| Street Address | 5205 LUISA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9658 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | WIGGINS TOWN HOMES PB 33 PG 43 LOT 1 |
| Legal Subdivision | WIGGINS TOWN HOMES |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records, as of July 13, 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 | 5205 LUISA CT, SAINT CLOUD, FL 34771-9658 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 2, 2026 | Special Warranty Deed · Conventional Mortgage US MORTGAGE CORPORATION |
| Jul 15, 2025 | Special Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on Record |
| Deed Sale | Jul 2, 2026 · Amount on Record |
| Prior Sale | Jul 15, 2025 · Amount on Record |
| Deed Document Number | 202687173 |
| Deed Book / Page | 6998 / 387 |
| Prior Transfer Date | Mar 8, 2024 |
| Prior Transfer Doc | 0000127948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 2, 2026 |
| Property Address | 5205 LUISA CT, SAINT CLOUD, FL 34771-9658 |
| Document Number | 0000087173 |
| Book / Page | 6998 / 387 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202687173 |
| Record Updated | Jul 13, 2026 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275,728.99 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5205 LUISA CT, SAINT CLOUD, FL 34771-9658 |
| Document Number | 0000087174, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202687174 |
| Name | US MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 15, 2025 |
| Property Address | 5205 LUISA CT, SAINT CLOUD, FL 34771-9658 |
| Document Number | 0068181268 |
| Book / Page | 6818 / 1268 |
| Map Reference | MB 33 PG 43 |
| Instrument Date | Jul 11, 2025 |
| Instrument | 2025087367 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,672.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10100 INNOVATION DR STE 410, 410, MIAMISBURG, OH 45342-4965 |
| Name | Verified Name |
|---|---|
| Address | 3601 RIGBY RD STE 300, 300, MIAMISBURG, OH 45342-5047 |
| Investor | Possibly a Property Investor |
Source: Osceola County assessment roll, as of November 26, 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 | $554.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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