Osceola County property record for 5275 Rambling Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 4.5 ba · 5,105 sqft · built 2003 |
| Lot Size | 4.97 acres (216,841 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $559,000 (May 2019) |
| Tax Bill | $12,292 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-25-31-4260-0001-0075 |
| Primary APN | 20-25-31-4260-0001-0075 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,105 sqft Living Area |
| Gross Area | 5,993 sqft |
| 1st Floor Area | 3,792 sqft |
| Upper Floors Area | 983 sqft |
| Attic | Attic |
| Attic Area | 330 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 216,841 sqft (4.97 acres) |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 495 sqft |
| Porch | Florida Room |
| Porch Area | 967 sqft |
| Deck Area | 1,245 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Pole Barn | 432 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 5275 RAMBLING RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | NEW MAP OF NARCOOSSEE PB 1 PGS 17-19 W 1/2 OF LOT 7 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NARCOOSSEE NEW MAP OF |
| Legal Tract | 4260 |
| Legal Block | 75 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 20-25-31-4260-0001-0075
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 5275 RAMBLING RD, SAINT CLOUD, FL 34771-9573 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Feb 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| May 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2019 · Amount on Record |
| Deed Sale | May 17, 2019 · Amount on Record |
| Prior Sale | Nov 09, 2006 · Amount on Record |
| Deed Document Number | 201964090 |
| Deed Book / Page | 5526 / 610 |
| Last Transfer Date | Nov 07, 2024 |
| Transfer Doc | 0066931802 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5275 RAMBLING RD, SAINT CLOUD, FL 34771-9573 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 410 LELAND AVE, BRONX, NY 10473-3016 |
| Document Number | 0058810256 |
|---|---|
| Date | Feb 01, 2021 |
| Book Page | 5881/256 |
| Instrument | 2021013830 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2019 |
| Property Address | 5275 RAMBLING RD, SAINT CLOUD, FL 34771-9573 |
| Document Number | 0055260610 |
| Book / Page | 5526 / 0610 |
| Map Reference | MB 1 PG 73&74 |
| Instrument Date | May 15, 2019 |
| Instrument | 2019064090 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,913.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9519 FLEMING GRANT RD, 9519, MICCO, FL 32976-3025 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 410 LELAND AVE, BRONX, NY 10473-3016 |
| Document Number | 0005526612 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 5526/612 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,292.00 (+4.42%) | $835,252 (+5.99%) | $954,900 (+3.83%) Land $204,200 Building $750,700 |
| 2024 | $11,772.00 (+1.94%) | ||
| 2023 | $11,548.00 (+72.15%) Homeowner's exemption Disabled Person's exemption Widower's exemption | $788,071 (+64.22%) | $919,700 (+62.89%) Land $183,800 Building $735,900 |
| 2022 | $6,708.00 Homeowner's exemption Disabled Person's exemption Widower's exemption | $479,875 | $564,600 Land $183,800 Building $380,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA, Xfinity.
Based on FCC filings for 363 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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