5251 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5251 Mill Stream Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,507 sqft · built 1996
Lot Size	0.607 acres (26,484 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Jan 2020)
Tax Bill	$8,201 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90696`

Property Details

APN / Parcel Number

Primary APN	`90696`
Alternative APN	`092531415600010650`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,507 sqft Heated Area
Gross Area	4,784 sqft
1st Floor Area	2,507 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,484 sqft (0.607 acres)
Lot Dimensions	177 ft deep x 150 ft wide
Garage Type	Detached - Finished
Garage Area	560 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Area	440 sqft
Porch	Open Porch
Porch Area	781 sqft
Deck Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90696
Street Address	5251 MILL STREAM DR
City	SAINT CLOUD
State	FL
Zip	34771-8711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1C
Legal Description	MILL STREAM ESTATES PB 6 PG 95-97 LOT 65
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	MILL STREAM ESTATES
Legal Tract	4156
Legal Block	1
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 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
Mailing Address	5251 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA
Jan 6, 2020	Warranty Deed, Transfer · Conventional with PMI SUPREME LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 6, 2020 · Amount on Record
Deed Sale	Jan 6, 2020 · Amount on Record
Prior Sale	Nov 24, 2004 · Amount on Record
Deed Document Number	2020001677
Deed Book / Page	5652 / 2434
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5251 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FREESTATE TITLE CONSULTANTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050940162
Date	Jan 31, 2017
Book Page	5094/0162
Instrument	2017016537

Lender

Name	CAPITAL BANK NA
Type	Bank
Address	ROCKVILLE, MD 20850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2020
Property Address	5251 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Document Number	0056522434
Book / Page	005652 / 002434
Instrument Date	Dec 31, 2019
Instrument	1677
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	YOUR TITLE CONNECTION LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5251 MILL STREAM DR ST CLOUD FL 347718711, ST CLOUD, FL 34771-8711

Mortgage

Document Number	56522436
Date	Jan 6, 2020
Book Page	005652/002436
Instrument	1678

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$8,201.00 (+22.42%)	$581,800 (+29.23%) Land $80,000 Building $501,800	$581,800 (+29.23%) Land $80,000 Building $501,800
2023	$6,699.00 (+11.09%)	$450,200 (+13.83%) Land $70,000 Building $380,200	$450,200 (+13.83%) Land $70,000 Building $380,200
2022	$6,030.00	$395,500 Land $70,000 Building $325,500	$395,500 Land $70,000 Building $325,500

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 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 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Lumen Technologies, Xfinity.

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