5238 Hammock Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5238 Hammock Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,132 sqft · built 1995
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Sep 2023)
Tax Bill	$4,774 (2025)
Deeds & Mortgages	Sep 2023 Sale May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`05-25-31-3325-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`05-25-31-3325-0001-0130`
Alternative APNs	`253105332500010130` `89791`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,132 sqft Living Area
Gross Area	2,838 sqft
1st Floor Area	1,469 sqft
Upper Floors Area	468 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Frame/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	117 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5238 HAMMOCK CIR
City	SAINT CLOUD
State	FL
Zip	34771-8764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS2
Legal Description	HAMMOCK POINTE PB 7 PG 174 LOT 13
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	HAMMOCK POINTE
Legal Tract	3325
Legal Block	130
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of October 21, 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	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Warranty Deed, Transfer CELEBRATION TITLE GROUP
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jan 24, 2018	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2023 · Amount on Record
Deed Sale	Sep 13, 2023 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	2023120704
Deed Book / Page	6473 / 1485
Prior Transfer Date	Jan 15, 2018
Prior Transfer Doc	0052732936
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2023
Property Address	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764
Document Number	0064731485
Book / Page	6473 / 1485
Map Reference	MB 7 PG 174
Instrument Date	Sep 12, 2023
Instrument	2023120704
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8342 RUSSET LN, HIGHLANDS RANCH, CO 80126-3203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2021
Property Address	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764
Document Number	0059532583
Book / Page	5953 / 2583
Map Reference	MB 7 PG 174
Instrument Date	May 7, 2021
Instrument	2021071029
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9309 JASMINE FLOWER LN, ORLANDO, FL 32832-5576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764

Mortgage

Document Number	0059532585
Date	May 7, 2021
Instrument	5953/2585

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2018
Property Address	5238 HAMMOCK CIR, SAINT CLOUD, FL 34771-8764
Document Number	0052732936
Book / Page	005273 / 002936
Instrument Date	Jan 15, 2018
Instrument	12408
Transaction Type	Transfer
Record Updated	Feb 21, 2018
Title Company	CLOSING USA LLC

Transaction

Amount	Amount Recorded
Tax	$537.95
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5238 HAMMOCK CIR ST CLOUD FL 347718764, ST CLOUD, FL 34771-8764

Mortgage

Document Number	52732940
Date	Jan 24, 2018
Book Page	005273/002940
Instrument	12409

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,774.00 (+4.92%)	$315,281 (-9.03%)	$413,600 (+3.45%) Land $95,000 Building $318,600
2024	$4,550.00 (-11.74%)
2023	$5,155.00 (+4.99%) Homeowner's exemption	$346,595 (+3%)	$399,800 (+18.81%) Land $95,000 Building $304,800
2022	$4,910.00 Homeowner's exemption	$336,500 Land $75,000 Building $261,500	$336,500 Land $75,000 Building $261,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 278 policies
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 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 47% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, CenturyLink, Spectrum, Verizon.

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