Osceola County property record for 5209 Hammock Cir, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,346 sqft · built 2001 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Mar 2024) |
| Tax Bill | $7,586 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2025 Second Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 89830 |
| Primary APN | 89830 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,346 sqft Heated Area |
| Gross Area | 3,213 sqft |
| 1st Floor Area | 2,346 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 118 ft deep x 85 ft wide |
| Garage Type | Finished |
| Garage Area | 618 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 319 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 249 sqft |
| Deck Area | 429 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89830 |
|---|---|
| Street Address | 5209 HAMMOCK CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAMMOCK POINTE PB 7 PG 174 LOT 52 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 05 |
| Legal Subdivision | HAMMOCK POINTE |
| Legal Tract | 3325 |
| Legal Block | 1 |
| Legal Lot Number | 52 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 43600 |
Source: Osceola County records · APN 89830
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 | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Aug 12, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 04, 2024 | Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Nov 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Apr 24, 2019 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 04, 2024 · Amount on Record |
| Deed Sale | Mar 04, 2024 · Amount on Record |
| Prior Sale | Apr 24, 2019 · Amount on Record |
| Deed Document Number | 2024027402 |
| Deed Book / Page | 6558 / 1161 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Document Number | 0059051478 |
|---|---|
| Date | Mar 05, 2021 |
| Book Page | 5905/1478 |
| Instrument | 2021032936 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Document Number | 0068331404 |
|---|---|
| Date | Aug 12, 2025 |
| Book Page | 6833/1404 |
| Instrument | 2025100125 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 04, 2024 |
| Property Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Document Number | 0065581161 |
| Book / Page | 6558 / 1161 |
| Map Reference | MB 7 PG 174 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024027402 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1821 GARWOOD DR, ORLANDO, FL 32822-4663 |
| Name | Verified Name |
|---|---|
| Address | 9201 SMITHIES ST, ORLANDO, FL 32827-3840 |
| Document Number | 0065581163 |
|---|---|
| Date | Mar 04, 2024 |
| Instrument | 6558/1163 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056230078 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 5623/0078 |
| Instrument | 2019147889 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Address | PLYMOUTH, MI 48170 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2019 |
| Property Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Document Number | 0055121166 |
| Book / Page | 5512 / 1166 |
| Map Reference | MB 7 PG 174 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 2019051918 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PLATINUM TITLE OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5218 HAMMOCK POINTE CT, 5218, SAINT CLOUD, FL 34771-8795 |
| Name | Verified Name |
|---|---|
| Address | 5209 HAMMOCK CIR, SAINT CLOUD, FL 34771-8762 |
| Document Number | 2019051919 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 2019051919 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,586.00 (+63.77%) | $472,900 (+52.59%) Land $95,000 Building $377,900 | $472,900 (+5.68%) Land $95,000 Building $377,900 |
| 2023 | $4,632.00 (+5.15%) Homeowner's exemption | $309,922 (+3%) | $447,500 (+18.26%) Land $95,000 Building $352,500 |
| 2022 | $4,405.00 Homeowner's exemption | $300,896 | $378,400 Land $75,000 Building $303,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 278 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022, river or lake flooding, Hurricane Ian |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 46% of the US · above 17% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,351 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 160 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
May also be available at this address: Spectrum, Lumen Technologies, AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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