Osceola County property record for 5298 Mill Stream Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 6 Baths |
| Year Built | Built 2016 |
| Square Footage | 3,605 sqft Heated Area |
| Lot Size | 40,467 sqft (0.928 acres) |
| Garage | Finished, 899 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $9,399.00 (2025) |
| Primary APN | 90644 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 6 Baths |
| Building Area | 3,605 sqft Heated Area |
| Gross Area | 5,581 sqft Gross Area |
| 1st Floor | 3,027 sqft 1st Floor |
| Upper Floors | 578 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 40,467 sqft (0.928 acres) |
| Depth X Width | 218 ft x 180 ft Depth x Width |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 899 sqft Garage |
| Pool Area | 49 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 1,100 sqft Deck |
| Porch | Open Porch |
| Porch Area | 1,077 sqft Porch |
| Boat Access | Boat Access |
| Boat House | 400 sqft Boat House |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 90644 |
|---|---|
| Street Address | 5298 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 13 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | MILL STREAM ESTATES |
| Legal Tract | 4156 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 90644
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 |
|---|---|
| Mailing Address | 5298 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Stand Alone Second Mortgage ADDITION FINANCIAL CU |
| Aug 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 08, 2014 |
| Deed Sale | Dec 08, 2014 |
| Prior Sale | Feb 19, 2014 · Amount on Record |
| Deed Doc Number | 2014177746 |
| Deed Book / Page | 4573 / 0313 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5298 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | PRIMERA TITLE LLC, PRIMERA TITLEL LLC |
| Name | Verified Name |
|---|---|
| Address | 5298 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Document Number | 0059550613 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 5955/613 |
| Instrument | 2021072053 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 10, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5298 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 5298 MILL STREAM DR, SAINT CLOUD, FL 34771-8709 |
| Document Number | 0057770184 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 5777/184 |
| Instrument | 2020109332 |
| Name | SOFI LENDING CORP |
|---|---|
| Type | Lending Institution |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jun 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $9,399.00 (+6.07%) Homeowner's exemption | $667,877 (+5.99%) | $1,052,400 (+26.86%) Land $159,500 Building $892,900 |
| 2023 | $8,861.00 (+3.44%) Homeowner's exemption | $630,151 (+3%) | $829,600 (+12.58%) Land $148,500 Building $681,100 |
| 2022 | $8,566.00 Homeowner's exemption | $611,798 | $736,900 Land $148,500 Building $588,400 |
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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