1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Stephs Field St

5232 Stephs Field St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5232 Stephs Field St, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,170 sqft · built 2022
Lot Size0.13 acres (5,662 sqft)
Owner2 Individual Names on File
Last Sale$417,000 (Apr 2026)
Tax Bill$5,728 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Apr 2026 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN29-25-31-5036-0001-1640

Property Details

APN / Parcel Number

Primary APN29-25-31-5036-0001-1640
Alternative APN
  • 253129503600011640

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,170 sqft Living Area
Gross Area2,710 sqft Gross Area
1st Floor Area1,240 sqft 1st Floor
Stories2 Stories
FlooringTile

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area400 sqft Garage
PorchFinished/Open Porch
Porch Area80 sqft Porch

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address5232 STEPHS FIELD ST
CitySAINT CLOUD
StateFL
Zip34771-9360
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSILVER SPRINGS PB 30 PGS 90-96 LOT 164
Legal Range31E
Legal Township25S
Legal Section29
Legal SubdivisionSILVER SPRINGS
Legal Lot Number164
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3002
Census Tract43700

Owner

Source: Osceola County records · APN 29-25-31-5036-0001-1640

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 Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2026Warranty Deed, Transfer · FHA Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Apr 14, 2026Warranty Deed, Transfer · FHA Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Oct 03, 2022Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 14, 2026 · Amount on Record
Deed SaleApr 14, 2026 · Amount on Record
Prior SaleOct 03, 2022 · Amount on Record
Deed Document Number202649153
Deed Book / Page6954 / 2510
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 14, 2026
Property Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360
Document Number0069542510
Book / Page6954 / 2510
Instrument DateApr 10, 2026
Instrument202649153
Transaction TypeTransfer
Record UpdatedJul 02, 2026
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$294,819.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360

Mortgage

Document Number0000049154,
DateApr 14, 2026
Book Page6954/2512
Instrument202649154
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP CORP
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.11%
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 14, 2026
Property Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360
Document Number0000049153
Book / Page6954 / 2510
Instrument DateApr 10, 2026
Instrument202649153
Transaction TypeTransfer
Record UpdatedApr 22, 2026
Title CompanyFIRST INTERNATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$294,819.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360

Mortgage

Document Number0000049154,
DateApr 14, 2026
Book Page6954/2512
Instrument202649154
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP CORP
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate6.11%
Max Rate-1%

October 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 03, 2022
Property Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360
Document Number0062922118
Book / Page6292 / 2118
Map ReferenceMB 30 PG 90-96
Instrument DateSep 23, 2022
Instrument2022145911
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 22, 2024
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,948.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address5232 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9360

Mortgage

Document Number0062922121
DateOct 03, 2022
Instrument6292/2121
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2052

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,728.00 (+3.34%)$362,000 (+3.58%) Land $65,000 Building $297,000$362,000 (+3.58%) Land $65,000 Building $297,000
2024$5,543.00 (+0.75%)
2023$5,502.00 (+616.41%)$349,500 (+535.45%) Land $60,000 Building $289,500$349,500 (+535.45%) Land $60,000 Building $289,500
2022$768.00$55,000 Land $55,000$55,000 Land $55,000

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 HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 78% of the US · above 65% of Florida
Wildfire LikelihoodAbout 1 in 177 per year
ExposureDirect
burnable vegetation at the parcel

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

Nearby Properties on Stephs Field St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures