Osceola County property record for 5294 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1994 |
| Square Footage | 3,890 sqft Living Area |
| Lot Size | 36,459 sqft (0.837 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $990,000 (2024) |
| Tax Bill | $6,360.00 (2024) |
| Primary APN | 09-25-31-4156-0001-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,890 sqft Living Area |
| Gross Area | 5,511 sqft Gross Area |
| 1st Floor | 3,482 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 36,459 sqft (0.837 acres) |
| Depth X Width | 224 ft x 175 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 996 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 28 sqft Pool |
| Deck Area | 660 sqft Deck |
| Porch Area | 625 sqft Porch |
| Boat Access | Boat Access |
| Boat House | 144 sqft Boat House |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 5294 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 12 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | MILL STREAM ESTATES |
| Legal Tract | 4156 |
| Legal Block | 120 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-4156-0001-0120
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5294 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU |
| Apr 18, 2024 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 18, 2024 · Amount on Record |
| Deed Sale | Apr 18, 2024 · Amount on Record |
| Deed Doc Number | 202450526 |
| Deed Book / Page | 6585 / 1422 |
| Prior Transfer Date | Jul 26, 2014 |
| Prior Transfer Doc | 0046421370 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5294 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0065100229 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 6510/229 |
| Instrument | 2023154754 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2024 |
| Property Address | 5294 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Document Number | 0065851422 |
| Book / Page | 6585 / 1422 |
| Map Reference | MB 6 PGS 95 |
| Instrument Date | Apr 12, 2024 |
| Instrument | 2024050526 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,930.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 518 TANASI CIR, LOUDON, TN 37774-3126 |
| Name | Verified Name |
|---|---|
| Address | 5294 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Document Number | 0065851424 |
|---|---|
| Date | Apr 18, 2024 |
| Instrument | 6585/1424 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | May 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.8% |
| Index | Other |
| Max Rate | 10.8% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,590.00 (+66.51%) | $753,853 (+70.51%) | $915,500 (+27.88%) Land $145,000 Building $770,500 |
| 2024 | $6,360.00 (+2%) | ||
| 2023 | $6,235.00 (+3.67%) Homeowner's exemption | $442,122 (+3%) | $715,900 (+13.13%) Land $135,000 Building $580,900 |
| 2022 | $6,014.00 Homeowner's exemption | $429,245 | $632,800 Land $135,000 Building $497,800 |
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
| 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 100 ft |
| 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.
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