5290 Jones Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5290 Jones Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,066 sqft · built 1988
Lot Size	0.589 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2025)
Tax Bill	$3,162 (2025)
Deeds & Mortgages	Jun 2024 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91663`

Property Details

APN / Parcel Number

Primary APN	`91663`
Alternative APN	`202531426000010730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,066 sqft Heated Area
Gross Area	1,371 sqft
1st Floor Area	1,066 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.589 acres)
Garage Type	Finished
Garage Area	275 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	30 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	91663
Street Address	5290 JONES RD
City	SAINT CLOUD
State	FL
Zip	34771-9586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1C
Legal Description	NEW MAP OF NARCOOSSEE PB 1 PGS 17-19 & PB 1 PGS 73-74 LOT 73 THAT PART OF LOT 73 LYING SLY OF ST RD 534 A & W 1/2 OF VAC R/W
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NARCOOSSEE NEW MAP
Legal Tract	4260
Legal Block	1
Legal Lot Number	73
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
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
Co-owner	Verified Secondary Owner
Mailing Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 29, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 10, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2025 · Amount on Record
Deed Sale	Dec 29, 2025 · Amount on Record
Prior Sale	May 10, 2022 · Amount on Record
Deed Document Number	2025157286
Deed Book / Page	6898 / 2976
Record Updated	Jun 8, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586

Mortgage

Document Number	0066242590
Date	Jun 27, 2024
Book Page	6624/2590
Instrument	2024084855

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 1, 2052

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2025
Property Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586
Document Number	0068982976
Book / Page	6898 / 2976
Instrument Date	Dec 19, 2025
Instrument	2025157286
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2437 SETTLERS TRL, SAINT CLOUD, FL 34772-8595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586

Mortgage

Document Number	0068982978
Date	Dec 29, 2025
Instrument	6898/2978

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2022
Property Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586
Document Number	0062102741
Book / Page	6210 / 2741
Instrument Date	May 6, 2022
Instrument	2022073852
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5290 JONES RD, SAINT CLOUD, FL 34771-9586

Mortgage

Document Number	0062102743
Date	May 10, 2022
Instrument	6210/2743

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

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	$3,162.00 (-11.38%) Homeowner's exemption	$217,700 (+3.18%) Land $66,000 Building $151,700	$217,700 (+3.18%) Land $66,000 Building $151,700
2023	$3,568.00 (+164.69%)	$211,000 (+121.24%) Land $66,000 Building $145,000	$211,000 (+11.23%) Land $66,000 Building $145,000
2022	$1,348.00 Homeowner's exemption	$95,372	$189,700 Land $66,000 Building $123,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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	High above 73% of the US · above 58% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Lumen Technologies, Xfinity.

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