5286 Bracks Landing Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5286 Bracks Landing Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2020
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$308,990 (Dec 2020)
Tax Bill	$4,322 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3347-0001-0750`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3347-0001-0750`
Alternative APN	`253117334700010750`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,846 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5286 BRACKS LANDING DR
City	SAINT CLOUD
State	FL
Zip	34771-8066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRINGTON PB 28 PGS 152-155 LOT 75
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	BARRINGTON
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	43700

Owner

Source: Osceola County records, as of July 13, 2026

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 Record
Mailing Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jun 4, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 13, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 21, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	2020173362
Deed Book / Page	5855 / 2440
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 1, 2026
Property Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066
Document Number	0000086962
Book / Page	6997 / 2563
Instrument Date	Jun 9, 2026
Instrument	202686962
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066

Mortgage

Document Number	0000086962,
Date	Jul 1, 2026
Book Page	6997/2563
Instrument	202686962

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Jan 1, 2051

Interest

Rate	6.36%
Max Rate	-1%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066

Mortgage

Document Number	0066110172
Date	Jun 4, 2024
Book Page	6611/172
Instrument	2024073234

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Jan 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066

Mortgage

Document Number	0062311650
Date	Jun 13, 2022
Book Page	6231/1650
Instrument	2022091955

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jan 1, 2051

December 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 21, 2020
Property Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066
Document Number	0058552440
Book / Page	5855 / 2440
Map Reference	MB 28 PG 152-155
Instrument Date	Dec 16, 2020
Instrument	2020173362
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,163.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10192 DOWDEN RD, 10192, ORLANDO, FL 32832-5128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 BRACKS LANDING DR, SAINT CLOUD, FL 34771-8066

Mortgage

Document Number	0058552441
Date	Dec 21, 2020
Instrument	5855/2441

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,322.00 (+7.19%) Homeowner's exemption	$301,408 (+5.99%)	$348,800 (+10.59%) Land $75,000 Building $273,800
2023	$4,032.00 (+4.08%) Homeowner's exemption	$284,383 (+3%)	$315,400 (+14.23%) Land $65,000 Building $250,400
2022	$3,874.00 Homeowner's exemption	$276,100 Land $55,000 Building $221,100	$276,100 Land $55,000 Building $221,100

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
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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile, Xfinity.

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