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5251 Hammock Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5251 Hammock Cir, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,071 sqft · built 1997
Lot Size0.23 acres (10,018 sqft)
Owner2 Individual Names on File
Last Sale$27,500 (Mar 1997)
Tax Bill$4,195 (2025)
Deeds & MortgagesJan 2018 Line of Credit
Flood ZoneZone AE (high risk)
APN05-25-31-3325-0001-0380

Property Details

APN / Parcel Number

Primary APN05-25-31-3325-0001-0380
Alternative APNs
  • 253105332500010380
  • 89816

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,071 sqft Living Area
Gross Area4,199 sqft
1st Floor Area1,406 sqft
Upper Floors Area1,665 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleConventional
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,018 sqft (0.23 acres)
Lot Dimensions118 ft deep x 85 ft wide
Garage TypeAttached
Garage Area692 sqft
Parking Spaces3 Parking Spaces
PorchFinished/Open Porch
Porch Area436 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5251 HAMMOCK CIR
CitySAINT CLOUD
StateFL
Zip34771-8769
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHAMMOCK POINTE PB 7 PG 174 LOT 38
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionHAMMOCK POINTE
Legal Tract3325
Legal Block380
Legal Lot Number38
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1020
Census Tract43600

Owner

Source: Osceola County records · APN 05-25-31-3325-0001-0380

Assessment roll updated November 26, 2025 · Last verified April 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 Address5251 HAMMOCK CIR, SAINT CLOUD, FL 34771-8769
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 10, 1997 · Amount on Record
Deed SaleMar 10, 1997 · Amount on Record
Prior SaleMay 21, 1996 · Amount on Record
Deed Book / Page1386 / 1253
Last Transfer DateMay 19, 2003
Transfer Doc0022600968
Record UpdatedJun 08, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5251 HAMMOCK CIR, SAINT CLOUD, FL 34771-8769
Document Number0052891986
Instrument DateJan 23, 2018
Transaction TypeMortgage
Record UpdatedMar 09, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5251 HAMMOCK CIR ST CLOUD FL 347718769, ST CLOUD, FL 34771-8769

Mortgage

Document Number0052891986
DateFeb 21, 2018
Book Page005289/001986
Instrument30084
Lender
NameBANK/IBERIA
TypeBank
AddressWINTER PARK, FL 32789
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 20, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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$4,195.00 (+5.11%) Homeowner's exemption$274,432 (+5.99%)$500,700 (+3.69%) Land $95,000 Building $405,700
2024$3,991.00 (+2.23%)
2023$3,904.00 (+5.4%) Homeowner's exemption$258,931 (+3%)$482,900 (+18.62%) Land $95,000 Building $387,900
2022$3,704.00 Homeowner's exemption$251,390$407,100 Land $75,000 Building $332,100

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
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • 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.

Internet Providers

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

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 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.

Mobile Coverage

5G and 4G LTE

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