5278 Mill Stream Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5278 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2005
Square Footage	3,560 sqft Heated Area
Lot Size	37,549 sqft (0.862 acres)
Occupancy	Owner Occupied
Last Sale	$92,000 (1999)
Tax Bill	$6,540.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`90638`
Alternative APN	`092531415600010080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	3,560 sqft Heated Area
Gross Area	5,457 sqft Gross Area
1st Floor	2,333 sqft 1st Floor
Upper Floors	1,227 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2005
Exterior Material	Vinyl Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	37,549 sqft (0.862 acres)
Depth X Width	263 ft x 130 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Type	Finished Garage
Garage Area	816 sqft Garage

Exterior Amenities

Fence	Fence
Deck Area	780 sqft Deck
Porch	Finished/Screened Porch
Porch Area	1,081 sqft Porch
Boat Access	Boat Access
Boat House	240 sqft Boat House

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	90638
Street Address	5278 MILL STREAM DR
City	SAINT CLOUD
State	FL
Zip	34771-8709
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MILL STREAM ESTATES PB 6 PG 95-97 LOT 8
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	MILL STREAM ESTATES
Legal Tract	4156
Legal Block	1
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 90638

Assessment roll updated July 1, 2025 · Last verified December 2025

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 File
Co-owner	Verified Secondary Owner
Mailing Address	5278 MILL STREAM DR, SAINT CLOUD, FL 34771-8709
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 1999 · Amount on Record
Deed Sale	Jul 22, 1999 · Amount on Record
Deed Doc Number	0163900662
Deed Book / Page	01639 / 00662
Record Refreshed	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5278 MILL STREAM DR, SAINT CLOUD, FL 34771-8709
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5278 MILL STREAM DR, SAINT CLOUD, FL 34771-8709

Mortgage

Document Number	0061422739
Date	Feb 03, 2022
Book Page	6142/2739
Instrument	2022018386

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 01, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,540.00 (+6.5%) Homeowner's exemption	$461,467 (+5.99%)	$932,500 (+28.43%) Land $145,000 Building $787,500
2023	$6,141.00 (+3.68%) Homeowner's exemption	$435,400 (+3%)	$726,100 (+13.77%) Land $135,000 Building $591,100
2022	$5,923.00 Homeowner's exemption	$422,719	$638,200 Land $135,000 Building $503,200

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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