5300 Stephs Field St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5300 Stephs Field St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,170 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual on Record
Last Sale	$381,200 (Mar 2022)
Tax Bill	$5,728 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`292531503600011470`

Property Details

APN / Parcel Number

Primary APN	`292531503600011470`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,170 sqft Heated Area
Gross Area	2,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5300 STEPHS FIELD ST
City	SAINT CLOUD
State	FL
Zip	34771-9361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER SPRINGS PB 30 PGS 90-96 LOT 147
Legal Subdivision	SILVER SPRINGS
Legal Lot Number	147
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 on Record
Co-owner	Co-owner on Record
Mailing Address	14711 SNOWY EGRET ST, WINTER GARDEN, FL 34787-1745
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2022 · Amount on Record
Deed Sale	Mar 18, 2022 · Amount on Record
Deed Document Number	2022043524
Deed Book / Page	6174 / 1809
Record Updated	Jun 8, 2026

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2022
Property Address	5300 STEPHS FIELD ST, SAINT CLOUD, FL 34771-9361
Document Number	0061741809
Book / Page	6174 / 1809
Map Reference	MB 30 PG 90-96
Instrument Date	Mar 16, 2022
Instrument	2022043524
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,668.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 160, 160, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14711 SNOWY EGRET ST, WINTER GARDEN, FL 34787-1745

Mortgage

Document Number	0061741823
Date	Mar 18, 2022
Instrument	6174/1823

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	11.1%

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	$5,728.00 (+4.11%)	$362,000 (+3.58%) Land $65,000 Building $297,000	$362,000 (+3.58%) Land $65,000 Building $297,000
2023	$5,502.00 (+309.38%)	$349,500 (+535.45%) Land $60,000 Building $289,500	$349,500 (+535.45%) Land $60,000 Building $289,500
2022	$1,344.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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 72% of the US · above 56% of Florida
Wildfire Likelihood	0.5% 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	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: CenturyLink, Xfinity.

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