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5259 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5259 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1991
Square Footage2,739 sqft Living Area
Lot Size22,694 sqft (0.521 acres)
OccupancyOwner Occupied
Last Sale$389,000 (2020)
Tax Bill$5,672.00 (2024)

Property Details

APN / Parcel Number

Primary APN09-25-31-4156-0001-0630
Alternative APNs
  • 253109415600010630
  • 90694

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,739 sqft Living Area
Gross Area3,700 sqft Gross Area
1st Floor2,739 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area22,694 sqft (0.521 acres)
Depth X Width178 ft x 127 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area598 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area276 sqft Pool
Shed1 Shed
Shed Area180 sqft Shed
Deck Area636 sqft Deck
Porch Area363 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5259 MILL STREAM DR
CitySAINT CLOUD
StateFL
Zip34771-8711
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMILL STREAM ESTATES PB 6 PG 95-97 LOT 63
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionMILL STREAM ESTATES
Legal Tract4156
Legal Block630
Legal Lot Number63
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 09-25-31-4156-0001-0630

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 Address5259 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 08, 2024Deed of Trust, Mortgage · Line of Credit
CROSSCOUNTRY MORTGAGE LLC
Jun 09, 2020Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
GUARANTEED RATE
Nov 21, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 09, 2020 · Amount on Record
Deed SaleJun 09, 2020 · Amount on Record
Prior SaleMar 15, 2006 · Amount on Record
Deed Doc Number202073747
Deed Book / Page5734 / 1660
Prior Transfer DateNov 06, 2017
Prior Transfer Doc0052422059
Record RefreshedJun 08, 2026

November 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5259 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5259 MILL STREAM DR, SAINT CLOUD, FL 34771-8711

Mortgage

Document Number0066930212
DateNov 08, 2024
Book Page6693/212
Instrument2024142291
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueNov 28, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2020
Property Address5259 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Document Number0057341660
Book / Page005734 / 001660
Instrument DateJun 05, 2020
Instrument73747
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,723.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5259 MILL STREAM DR ST CLOUD FL 347718711, ST CLOUD, FL 34771-8711

Mortgage

Document Number57341662
DateJun 09, 2020
Book Page005734/001662
Instrument73748
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJun 08, 2050

November 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 21, 2017
Property Address5259 MILL STREAM DR, SAINT CLOUD, FL 34771-8711
Document Number0052422059
Book / Page005242 / 002059
Instrument DateNov 06, 2017
Instrument166298
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address5259 MILL STREAM DR ST CLOUD FL 347718711, ST CLOUD, FL 34771-8711

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$5,927.00 (+4.5%) Homeowner's exemption$417,268 (+5.99%)$602,700 (+29.92%) Land $80,000 Building $522,700
2024$5,672.00 (+2.05%)
2023$5,558.00 (+3.75%) Homeowner's exemption$393,699 (+3%)$463,900 (+13.87%) Land $70,000 Building $393,900
2022$5,357.00 Homeowner's exemption$382,233$407,400 Land $70,000 Building $337,400

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskModerate
above 57% of the US · above 29% of Florida
Wildfire LikelihoodAbout 1 in 719 per year
ExposureDirect
burnable vegetation at the parcel

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

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