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5224 Waterside Vista Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5224 Waterside Vista Ln, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details6 bd · 5 ba · 5,313 sqft · built 2016
Lot Size0.345 acres (15,028 sqft)
Owner2 Individual Names on File
Last Sale$735,000 (Jul 2021)
Tax Bill$11,202 (2025)
Deeds & MortgagesJul 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN05-25-31-5399-0001-0170

Property Details

APN / Parcel Number

Primary APN05-25-31-5399-0001-0170
Alternative APNs
  • 253105539900010170
  • 162491

Interior

Bedrooms6 Beds
Full Baths5 Baths
Stories2 Stories
Building Area5,313 sqft Living Area
Gross Area7,341 sqft
1st Floor Area2,531 sqft
Upper Floors Area2,782 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialCombination
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area15,028 sqft (0.345 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeAttached
Garage Area1,005 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area36 sqft
PorchFinished/Open Porch
Porch Area1,023 sqft
Deck Area492 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address5224 WATERSIDE VISTA LN
CitySAINT CLOUD
StateFL
Zip34771-7801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWATERSIDE VISTA PB 20 PGS 148-149 LOT 17
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionWATERSIDE VISTA
Legal Tract5399
Legal Block170
Legal Lot Number17
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

Source: Osceola County records · APN 05-25-31-5399-0001-0170

Assessment roll updated November 26, 2025 · Last verified August 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 Address5224 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 06, 2021 · Amount on Record
Deed SaleJul 06, 2021 · Amount on Record
Prior SaleAug 15, 2016 · Amount on Record
Deed Document Number2021104195
Deed Book / Page5995 / 1193
Prior Transfer DateMar 30, 2012
Prior Transfer Doc0042530776
Record UpdatedSep 20, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 06, 2021
Property Address5224 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801
Document Number0059951193
Book / Page5995 / 1193
Map ReferenceMB 20 PG 148
Instrument DateJul 01, 2021
Instrument2021104195
Transaction TypeTransfer
Record UpdatedJul 20, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$5,145.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9271 KENSINGTON ROW CT, 9271, ORLANDO, FL 32827-5757

Transferred To (Grantee/Buyer)

NameVerified Name
Address5224 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801

Mortgage

Document Number59951194
DateJul 06, 2021
Instrument5995/1194
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2051

Mortgage

Document Number0059961314
DateJul 06, 2021
Book Page5996/1314
Instrument2021104966
Lender
NameGEORGIAS OWN CU
TypeCredit Union
AddressATLANTA, GA 30348
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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$11,202.00 (+3.92%) Homeowner's exemption$797,988 (+11.22%)$1,066,200 (+30.09%) Land $95,000 Building $971,200
2024$10,779.00 (+6.93%)
2023$10,080.00 (+3.37%) Homeowner's exemption$717,489 (+3%)$819,600 (+15.78%) Land $84,000 Building $735,600
2022$9,751.00 Homeowner's exemption$696,592$707,900 Land $84,000 Building $623,900

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 278 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
253 of 278 on primary residences
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Flood Events
  • Hurricane Ian (Sep 2022), 4 claims
  • Hurricane Ian (Sep 2022), 3 claims
  • Hurricane Irma (Sep 2017), 6 claims

Wildfire

Wildfire RiskModerate
above 47% of the US · above 18% of Florida
Wildfire LikelihoodAbout 1 in 935 per year
ExposureDirect
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.

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